2289 Surf Rd, Unit C4, Panacea, FL 32346 Property Records

Wakulla County property record for 2289 Surf Rd, Unit C4, Panacea, FL 32346

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,440 sqft · built 1992
Lot Size	0.023 acres (1,037 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jul 2020)
Tax Bill	$1,811 (2025)
Deeds & Mortgages	Jul 2020 Sale Jul 2018 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`02-6S-02W-033-03660-C04`

Property Details

APN / Parcel Number

Primary APN	`02-6S-02W-033-03660-C04`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,440 sqft Heated Area
Gross Area	2,664 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	1,037 sqft (0.023 acres)
Garage Type	Finished
Garage Area	720 sqft
Porch	Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2289 SURF RD UNIT C4, C4
City	PANACEA
State	FL
Zip	32346-2659
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAYSIDE VILLAS OF PANACEA BUILDING C UNIT 4 OR 87 P 988 OR 90 P 605-610 OR 110 P 524 OR 106 P 586 OR 251 P 118 OR 264 P 329 O
Legal Range	02W
Legal Township	06S
Legal Section	02
Legal Subdivision	BAYSIDE VILLAS/PANACEA
Legal Lot Number	2
Legal Unit	4
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2058
Census Tract	10102

Owner

2289 Surf Rd, Unit C4 is owned and occupied by an individual who bought it in July 2020.

Source: Wakulla County records, as of January 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2289 SURF RD UNIT C4, C4, PANACEA, FL 32346-2659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2020	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC
Jul 3, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2020 · Amount on File
Deed Sale	Jul 6, 2020 · Amount on File
Prior Sale	Jul 3, 2018 · Amount on File
Deed Document Number	380696
Deed Book / Page	1158 / 785
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jul 6, 2020
Property Address	2289 SURF RD UNIT C04, C04, PANACEA, FL 32346-2659
Document Number	0000380696
Book / Page	001158 / 000785
Instrument Date	Jun 30, 2020
Instrument	380696
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2289 SURF RD #C4 PANACEA FL 323462659, C4, PANACEA, FL 32346-2659

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jul 3, 2018
Property Address	2289 SURF RD UNIT C04, C04, PANACEA, FL 32346-2659
Document Number	0000360589
Book / Page	001078 / 000693
Instrument Date	Jun 29, 2018
Instrument	360589
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$992.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9711 PRESTANCIA WAY TALLAHASSEE FL 323126823, TALLAHASSEE, FL 32312-6823

Mortgage

Document Number	360590
Date	Jul 3, 2018
Book Page	001078/000694
Instrument	360590

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2289 Surf Rd, Unit C4 was $1,811 with a homeowner's exemption, up 4.4% from the year before.

Source: Wakulla County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Wakulla County
Unified School District	Wakulla County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,811.00 (+4.38%) Homeowner's exemption	$156,290 (+2.9%)	$225,412 (+33.54%) Building $225,412
2024	$1,735.00 (+3.09%) Homeowner's exemption	$151,885 (+3%)	$168,797 (-1.52%) Building $168,797
2023	$1,683.00 (+6.93%) Homeowner's exemption	$147,461 (+3%)	$171,410 (+15.95%) Building $171,410
2022	$1,574.00 Homeowner's exemption	$143,166	$147,835 Building $147,835

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2289 Surf Rd, Unit C4 in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	19.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 73 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	101 units insured incl. 28 condo units
Nearby Flood Claims	15 (2005–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 11 claims Hurricane Hermine, Sep 2016 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2289 Surf Rd, Unit C4 is high, ranking above 73% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANACEA AREA WATER SYSTEM serves 3,020 people · EPA ID FL1650514
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Surf Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures