Wakulla County property record for 2433 Surf Rd, Panacea, FL 32346 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1973 |
| Square Footage | 2,502 sqft Living Area |
| Lot Size | 36,155 sqft (0.83 acres) |
| Last Sale | $725,000 (2026) |
| Tax Bill | $3,976.00 (2024) |
| Primary APN | 02-6S-02W-033-03635-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,502 sqft Living Area |
| Gross Area | 3,090 sqft Gross Area |
| 1st Floor | 2,502 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 36,155 sqft (0.83 acres) |
| Depth X Width | 246 ft x 81 ft Depth x Width |
| Driveway | Driveway Asphalt |
| Deck Area | 78 sqft Deck |
|---|---|
| Porch Area | 588 sqft Porch |
| Boat Access | Boat Access |
| Utility Building | 108 sqft Utility Building |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Old Parcel Number | 026S02W03303635000 |
|---|---|
| Street Address | 2433 SURF RD |
| City | PANACEA |
| State | FL |
| Zip | 32346 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MANATEE MANOR LOT 2 PB 7 P 3 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 02 |
| Legal Subdivision | MANATEE MANOR |
| Legal Lot Number | 2 |
| Legal Unit | 1 |
| Jurisdiction | WAKULLA FL |
| Minor Civil Division | WEST WAKULLA |
| Census Blockgroup | 2 |
| Census Block | 2058 |
| Census Tract | 10102 |
Source: Wakulla County records · APN 02-6S-02W-033-03635-000
Assessment roll updated January 5, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9552 KYLES FORD HWY, KYLES FORD, TN 37765-6029 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 30, 2024 | Deed of Trust, Mortgage · Line of Credit PRIME MERIDIAN BANK |
| Mar 23, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNIVERSITY BANK |
| Mar 17, 2026 | Warranty Deed, Transfer · Veterans Administration Mortgage UNIVERSITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 17, 2026 · Amount on Record |
| Deed Sale | Mar 17, 2026 · Amount on Record |
| Prior Sale | May 07, 2014 · Amount on Record |
| Deed Doc Number | 2026451857 |
| Deed Book / Page | 1453 / 290 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 2433 SURF RD, PANACEA, FL 32346 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 662 SCOTLAND RD, HAVANA, FL 32333-4446 |
| Document Number | 0000437052 |
|---|---|
| Date | Dec 30, 2024 |
| Book Page | 1391/694 |
| Instrument | 437052 |
| Name | PRIME MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32312 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 2433 SURF RD, PANACEA, FL 32346 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9552 KYLES FORD HWY, KYLES FORD, TN 37765-6029 |
| Document Number | 0000452040 |
|---|---|
| Date | Mar 23, 2026 |
| Book Page | 1454/138 |
| Instrument | 452040 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Address | ANN ARBOR, MI 48104 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKULLA FL |
| Recording Date | Mar 17, 2026 |
| Property Address | 2433 SURF RD, PANACEA, FL 32346 |
| Document Number | 0000451857 |
| Book / Page | 1453 / 290 |
| Map Reference | MB 7 PG 3 |
| Instrument Date | Mar 02, 2026 |
| Instrument | 451857 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,075.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 662 SCOTLAND RD, HAVANA, FL 32333-4446 |
| Name | Verified Name |
|---|---|
| Address | 9552 KYLES FORD HWY, KYLES FORD, TN 37765-6029 |
| Document Number | 0001453684 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 1453/684 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
Source: Wakulla County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Wakulla County |
| Unified School District | Wakulla County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,738.00 (+44.32%) | $428,629 (+39.68%) Land $231,000 Building $197,629 | $428,629 (+39.68%) Land $231,000 Building $197,629 |
| 2024 | $3,976.00 (+19.58%) | $306,868 (+42.5%) Land $133,650 Building $173,218 | $306,868 (+42.5%) Land $133,650 Building $173,218 |
| 2023 | $3,325.00 (+2.37%) | $215,343 (+2.58%) Land $81,000 Building $134,343 | $215,343 (+2.58%) Land $81,000 Building $134,343 |
| 2022 | $3,248.00 | $209,937 Land $81,000 Building $128,937 | $209,937 Land $81,000 Building $128,937 |
Source: FEMA National Flood Hazard Layer, Wakulla County (12129C), updated July 21, 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 |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 19.0 ft |
| Coastal | Yes |
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 503 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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