Wakulla County property record for 2509 Surf Rd, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,913 sqft · built 1963 |
| Lot Size | 0.501 acres (21,824 sqft) |
| Owner | Individual Name on File |
| Last Sale | $530,000 (May 2022) |
| Tax Bill | $7,488 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Nov 2021 Transfer |
| Flood Zone | Zone VE (high risk) |
| APN | 02-6S-02W-033-03620-000 |
| Primary APN | 02-6S-02W-033-03620-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,913 sqft Heated Area |
| Gross Area | 4,572 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 21,824 sqft (0.501 acres) |
| Lot Dimensions | 273 ft deep x 80 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 812 sqft |
| Deck Area | 16 sqft |
| Utility Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2509 SURF RD |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TARPON SHORES SUB UNIT 1 LOT 3 OR 2 P 727 & OR 166 P 961 DC OR 1166/253 OR 1239 P 401 OR 1264 P 186 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 02 |
| Legal Subdivision | TARPON SHORES SUB |
| Legal Lot Number | 3 |
| 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-033-03620-000
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 | 2509 SURF RD, PANACEA, FL 32346-2641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 06, 2022 | Warranty Deed, Transfer · Conventional Mortgage FARMERS BANK & TRUST |
| Nov 22, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 06, 2022 · Amount on Record |
| Deed Sale | May 06, 2022 · Amount on Record |
| Prior Sale | Nov 22, 2021 |
| Deed Document Number | 404846 |
| Deed Book / Page | 1264 / 186 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKULLA FL |
| Recording Date | May 06, 2022 |
| Property Address | 2509 SURF RD, PANACEA, FL 32346-2641 |
| Document Number | 0000404846 |
| Book / Page | 1264 / 186 |
| Map Reference | MB 1 PG 45 |
| Instrument Date | May 05, 2022 |
| Instrument | 404846 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2022 |
| Title Company | LOWE TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,710.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8981 EAGLES RIDGE DR, 8981, TALLAHASSEE, FL 32312-4054 |
| Name | Verified Name |
|---|---|
| Address | 3465 SPALDING DR, SANDY SPRINGS, GA 30350-5523 |
| Document Number | 0001264188 |
|---|---|
| Date | May 06, 2022 |
| Instrument | 1264/188 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WAKULLA FL |
| Recording Date | Nov 22, 2021 |
| Property Address | 2509 SURF RD, PANACEA, FL 32346-2641 |
| Document Number | 0000398887 |
| Book / Page | 1239 / 401 |
| Map Reference | MB 1 PG 45 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 398887 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 8981 EAGLES RIDGE DR, TALLAHASSEE, FL 32312-4054 |
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 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 | $7,488.00 (+9.88%) | $525,950 (+9.16%) Land $132,000 Building $393,950 | $525,950 (+9.16%) Land $132,000 Building $393,950 |
| 2024 | $6,815.00 (+9.23%) | $481,820 (+11.08%) Land $132,000 Building $349,820 | $481,820 (+11.08%) Land $132,000 Building $349,820 |
| 2023 | $6,239.00 (+123.46%) | $433,765 (+100.12%) Land $80,000 Building $353,765 | $433,765 (+81.14%) Land $80,000 Building $353,765 |
| 2022 | $2,792.00 Homeowner's exemption | $216,756 | $239,466 Land $80,000 Building $159,466 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures