2497 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2497 Surf Rd, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1971
Lot Size	0.742 acres (32,365 sqft)
Owner	Individual Name on File
Last Sale	$267,500 (Jul 2020)
Tax Bill	$3,758 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`02-6S-02W-033-03622-000`

Property Details

APN / Parcel Number

Primary APN	`02-6S-02W-033-03622-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Heated Area
Gross Area	3,048 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,365 sqft (0.742 acres)
Lot Dimensions	270 ft deep x 120 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	1,464 sqft
Deck Area	12 sqft
Patio Area	84 sqft
Boat Access	Boat Access
Boat House	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2497 SURF RD
City	PANACEA
State	FL
Zip	32346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TARPON SHORES SUB UNIT 1 LOT 5 & E1/2 OF LOT 6 OR 29 P 94 & OR 70 P.180 184 OR 224 P 210 OR 669 P 181 OR 1161 P 377
Legal Range	02W
Legal Township	06S
Legal Section	02
Legal Subdivision	TARPON SHORES SUB
Legal Lot Number	5,6
Legal Unit	1
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2058
Census Tract	10102

Owner

Source: Wakulla County records · APN 02-6S-02W-033-03622-000

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	356 SW CALLAWAY DR, LAKE CITY, FL 32024-4100
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 27, 2020 · Amount on Record
Deed Sale	Jul 27, 2020 · Amount on Record
Prior Sale	Aug 03, 2006
Deed Document Number	381319
Deed Book / Page	1161 / 377
Record Updated	Jun 08, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jul 27, 2020
Property Address	2497 SURF RD, PANACEA, FL 32346
Document Number	0000381319
Book / Page	1161 / 377
Map Reference	MB 1 PG 45
Instrument Date	Jul 24, 2020
Instrument	381319
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,872.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10006 JOURNEYS END, 10006, TALLAHASSEE, FL 32312-3710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356SWCALLAWAYDRIVE, UNIVERSITY PK, FL 33024

Mortgage

Document Number	0001161379
Date	Jul 27, 2020
Instrument	1161/379

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Wakulla County
Unified School District	Wakulla 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,758.00 (+8.24%)	$266,045 (+5.68%) Land $148,500 Building $117,545	$266,045 (+5.68%) Land $148,500 Building $117,545
2024	$3,472.00 (+21.61%)	$251,755 (+39.75%) Land $148,500 Building $103,255	$251,755 (+39.75%) Land $148,500 Building $103,255
2023	$2,855.00 (+6.05%)	$180,144 (+6.2%) Land $90,000 Building $90,144	$180,144 (+6.2%) Land $90,000 Building $90,144
2022	$2,692.00	$169,627 Land $90,000 Building $79,627	$169,627 Land $90,000 Building $79,627

Flood & Wildfire

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

Flood

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	Hurricane Michael, Oct 2018 · 11 claims Hurricane Hermine, Sep 2016 · 3 claims

Wildfire

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.

Internet Providers

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.

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

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

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 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.