Wakulla County property record for 2481 Surf Rd, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,572 sqft · built 1960 |
| Lot Size | 0.444 acres (19,341 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $865,000 (Oct 2022) |
| Tax Bill | $11,391 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 02-6S-02W-033-03627-000 |
| Primary APN | 02-6S-02W-033-03627-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,572 sqft Living Area |
| Gross Area | 4,957 sqft |
| 1st Floor Area | 3,572 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 19,341 sqft (0.444 acres) |
| Lot Dimensions | 242 ft deep x 160 ft wide |
| View / Lot | River |
| Garage Type | Carport |
| Garage Area | 415 sqft |
| Carport | Carport |
| Carport Area | 415 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,600 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 752 sqft |
| Patio Area | 308 sqft |
| Shed | 1 Shed |
| Shed Area | 24 sqft |
| Utility Building | 45 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2481 SURF RD |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TARPON SHORES SUB UNIT 1 LOT 9 & 10 OR 100 P 525,526 OR 49 P 578 OR 99 P.898,899 OR. 114 P. 496 OR 70 P.188 OR 123 P 847 & OR 316 P 436 OR 352 P 152 OR 372 P 46 OR 1289 P 47 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 02 |
| Legal Subdivision | TARPON SHORES UT I |
| Legal Lot Number | 9,10 |
| 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-033-03627-000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2481 SURF RD, PANACEA, FL 32346-2640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 03, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL FEDERAL BANK |
| Oct 26, 2022 | Warranty Deed, Transfer · Conventional Mortgage FINANCIAL FEDERAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 26, 2022 · Amount on Record |
| Deed Sale | Oct 26, 2022 · Amount on Record |
| Prior Sale | Jan 20, 2000 · Amount on Record |
| Deed Document Number | 2022411109 |
| Deed Book / Page | 1289 / 47 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 2481 SURF RD, PANACEA, FL 32346-2640 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2481 SURF RD, PANACEA, FL 32346-2640 |
| Document Number | 0000451230 |
|---|---|
| Date | Mar 03, 2026 |
| Book Page | 1450/432 |
| Instrument | 451230 |
| Name | FINANCIAL FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38120 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKULLA FL |
| Recording Date | Oct 26, 2022 |
| Property Address | 2481 SURF RD, PANACEA, FL 32346-2640 |
| Document Number | 0000411109 |
| Book / Page | 1289 / 47 |
| Map Reference | MB 1 PG 45 |
| Instrument Date | Oct 25, 2022 |
| Instrument | 411109 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2023 |
| Title Company | LOWE TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,055.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2481 SURF RD, PANACEA, FL 32346-2640 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2266 WILDERNESS CV, GERMANTOWN, TN 38139-5324 |
| Document Number | 0000128949 |
|---|---|
| Date | Oct 26, 2022 |
| Instrument | 1289/49 |
| Name | FINANCIAL FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
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 | $11,391.00 (+12.96%) Homeowner's exemption | $822,257 (+2.9%) | $830,866 (+3.98%) Land $264,000 Building $566,866 |
| 2024 | $10,084.00 (+5.51%) Homeowner's exemption | $799,084 (+23.21%) Land $264,000 Building $535,084 | $799,084 (+23.21%) Land $264,000 Building $535,084 |
| 2023 | $9,557.00 (+176.61%) | $648,575 (+188.32%) Land $120,000 Building $528,575 | $648,575 (+188.32%) Land $120,000 Building $528,575 |
| 2022 | $3,455.00 | $224,950 Land $120,000 Building $104,950 | $224,950 Land $120,000 Building $104,950 |
Source: FEMA National Flood Hazard Layer as of July 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record 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 |
|
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 27 locations within half a mile of this property.
4G LTE only, no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PANACEA AREA WATER SYSTEM serves 3,020 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 6 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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