Wakulla County property record for 2405 Surf Rd, Panacea, FL 32346 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 4,080 sqft · built 1981 |
| Lot Size | 0.466 acres (20,299 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,546 (2025) |
| Deeds & Mortgages | Sep 2018 Loan Modification |
| Flood Zone | Zone VE (high risk) |
| APN | 02-6S-02W-033-03642-000 |
| Primary APN | 02-6S-02W-033-03642-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 4,080 sqft Heated Area |
| Gross Area | 5,388 sqft |
| Flooring | Plywood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,299 sqft (0.466 acres) |
| Lot Dimensions | 290 ft deep x 70 ft wide |
| Garage Area | 288 sqft |
| Driveway | Driveway |
| Driveway Area | 5,726 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 296 sqft |
| Deck Area | 84 sqft |
| Patio Area | 640 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Street Address | 2405 SURF RD |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TARPON SHORES UNIT 1 LOT 23 LESS 10 FT E & 24 OR 23 P 421 & OR 64 P 432 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 02 |
| Legal Lot Number | 23 |
| Legal Unit | 1 |
| Jurisdiction | WAKULLA FL |
| Township / Civil Division | WEST WAKULLA |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 10102 |
Source: Wakulla County records · APN 02-6S-02W-033-03642-000
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 Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | PO BOX 294, PANACEA, FL 32346-0294 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 2405 SURF RD, PANACEA, FL 32346-2640 |
| Document Number | 0000362981 |
| Instrument Date | Sep 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2405 SURF RD PANACEA FL 323462640, PANACEA, FL 32346-2640 |
| Document Number | 0000362981 |
|---|---|
| Date | Oct 16, 2018 |
| Book Page | 001088/000615 |
| Instrument | 362981 |
| Name | PRIME MERIDIAN BK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32312 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Wakulla County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Wakulla County |
| Unified School District | Wakulla County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,546.00 (+3.99%) Homeowner's exemption | $270,239 (+2.9%) | $458,857 (+8.54%) Land $247,500 Building $211,357 |
| 2024 | $3,410.00 (+2.65%) Homeowner's exemption | $262,623 (+3%) | $422,758 (+30.16%) Land $247,500 Building $175,258 |
| 2023 | $3,322.00 (+3.3%) Homeowner's exemption | $254,974 (+3%) | $324,787 (+4.83%) Land $150,000 Building $174,787 |
| 2022 | $3,216.00 Homeowner's exemption | $247,548 | $309,831 Land $150,000 Building $159,831 |
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
| FEMA Flood Zone | Zone VE coastal, wave action |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 19.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 73 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 101 units insured 28 under condo master policies |
| Nearby Flood Claims | 15 (2005–2018) |
| Most Recent Claim | Oct 2018, Hurricane Michael |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 58% of the US · above 31% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 654 per year |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures