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2323 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2323 Surf Rd, Panacea, FL 32346 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,015 sqft · built 1980
Lot Size0.348 acres (15,159 sqft)
OwnerIndividual Name on File
Last Sale$525,000 (Aug 2024)
Tax Bill$5,318 (2025)
Deeds & MortgagesDec 2021 Mortgage
Mar 2021 Sale
+ 2 more
Flood ZoneZone VE (high risk)
APN02-6S-02W-033-03658-000

Property Details

APN / Parcel Number

Primary APN02-6S-02W-033-03658-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,015 sqft Heated Area
Gross Area1,886 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 2015
Exterior MaterialWood Siding
Construction TypeFrame
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area15,159 sqft (0.348 acres)
Lot Dimensions190 ft deep x 80 ft wide

Exterior Amenities

PorchEnclosed Porch
Porch Area440 sqft
Deck Area438 sqft
Patio Area120 sqft
FenceFence
Shed1 Shed
Shed Area56 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2323 SURF RD
CityPANACEA
StateFL
Zip32346-2639
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTARPON SHORES SUB UNIT 1 LOT 42 OR 16 P 557 OR 77 P 439 OR 170 P 415 OR 407 P 641 OR 815 P 202 DC OR 815 P 464 OR OR 830 P 49
Legal Range02W
Legal Township06S
Legal Section02
Legal SubdivisionTARPON SHORES SUB
Legal Lot Number42
Legal Unit1
JurisdictionWAKULLA FL
Township / Civil DivisionWEST WAKULLA
Census Block Group2
Census Block2058
Census Tract10102

Owner

Source: Wakulla County records · APN 02-6S-02W-033-03658-000

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3037 SHAMROCK N, TALLAHASSEE, FL 32309-2725
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERIS BANK
Mar 12, 2021Warranty Deed, Transfer
WAKULLA TITLE COMPANY INC
Oct 31, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Mar 13, 2019Warranty Deed, Transfer
OTHER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 30, 2024 · Amount on Record
Deed SaleAug 30, 2024 · Amount on Record
Prior SaleMar 12, 2021 · Amount on Record
Deed Document Number433339
Deed Book / Page1376 / 178
Record UpdatedJun 08, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWAKULLA FL
Property Address2323 SURF RD, PANACEA, FL 32346-2639
Transaction TypeMortgage
Record UpdatedMar 15, 2022
Title CompanyWAKULLA TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 WOODRIDGE DR, PORT LUDLOW, WA 98365-8743

Mortgage

Document Number0000399799
DateDec 16, 2021
Book Page1243/381
Instrument399799
Lender
NameAMERIS BANK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWAKULLA FL
Recording DateMar 12, 2021
Property Address2323 SURF RD, PANACEA, FL 32346-2639
Document Number0000389147
Book / Page1197 / 555
Map ReferenceMB 1 PG 45
Instrument DateFeb 11, 2021
Instrument389147
Transaction TypeTransfer
Record UpdatedFeb 18, 2022
Title CompanyWAKULLA TITLE COMPANY INC

Transaction

AmountAmount Recorded
Tax$2,870.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2665 AUCILLA RD, 2665, MONTICELLO, FL 32344-5140

Transferred To (Grantee/Buyer)

NameVerified Name
Address2323 SURF RD, PANACEA, FL 32346-2639

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWAKULLA FL
Recording DateOct 31, 2019
Property Address2323 SURF RD, PANACEA, FL 32346-2639
Document Number0000373787
Book / Page001129 / 000485
Instrument DateOct 24, 2019
Instrument373787
Transaction TypeTransfer
Record UpdatedNov 11, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,995.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2665 AUCILLA RD MONTICELLO FL 323445140, MONTICELLO, FL 32344-5140

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWAKULLA FL
Recording DateMar 13, 2019
Property Address2323 SURF RD, PANACEA, FL 32346-2639
Document Number0000367004
Book / Page001103 / 000118
Instrument DateMar 05, 2019
Instrument367004
Transaction TypeTransfer
Record UpdatedMar 25, 2019
Title CompanyOTHER

Transaction

AmountAmount Recorded
Tax$693.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2323 SURF RD PANACEA FL 323462639, PANACEA, FL 32346-2639

Tax Assessment & Valuation

Source: Wakulla County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateFlorida
CountyWakulla County
Unified School DistrictWakulla County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,318.00 (-3.38%)$362,710 (-9%) Land $132,000 Building $230,710$362,710 (-9%) Land $132,000 Building $230,710
2024$5,504.00 (+11.17%)$398,574 (+16.88%) Land $132,000 Building $266,574$398,574 (+16.88%) Land $132,000 Building $266,574
2023$4,951.00 (+8.91%)$341,021 (+12.11%) Land $80,000 Building $261,021$341,021 (+12.11%) Land $80,000 Building $261,021
2022$4,546.00$304,178 Land $80,000 Building $224,178$304,178 Land $80,000 Building $224,178

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Wakulla County (12129C), updated July 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121290101022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone VE
coastal, wave action
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation19.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 73 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies101 units insured
28 under condo master policies
Nearby Flood Claims15 (2005–2018)
Most Recent ClaimOct 2018, Hurricane Michael
Claims By Storm
  • Hurricane Michael, Oct 2018 · 11 claims
  • Hurricane Hermine, Sep 2016 · 3 claims

Wildfire

Wildfire RiskHigh
above 74% of the US · above 58% of Florida
Wildfire LikelihoodAbout 1 in 424 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 54 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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