2519 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2519 Surf Rd, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,952 sqft · built 1979
Lot Size	0.501 acres (21,824 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,000 (Sep 2026)
Tax Bill	$4,268 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2023 Sale + 4 more
Flood Zone	Zone VE (high risk)
APN	`02-6S-02W-033-03619-000`

Property Details

APN / Parcel Number

Primary APN	`02-6S-02W-033-03619-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,952 sqft Living Area
Gross Area	3,457 sqft
1st Floor Area	1,952 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1983
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,824 sqft (0.501 acres)
Lot Dimensions	273 ft deep x 80 ft wide
View / Lot	River
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	64 sqft

Exterior Amenities

Porch	Patio
Porch Area	420 sqft
Deck Area	144 sqft
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2519 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 2 OR 3 P 178 & OR 67 P 925 OR 325 P 662 OR 730 P 883 DC OR 842 P 503 OR 842 P 495 CERT. OF TRUST OR 1329 P 357 OR 1329 P 259
Legal Range	02W
Legal Township	06S
Legal Section	02
Legal Subdivision	TARPON SHORES UT I
Legal Lot Number	2
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, as of October 21, 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 Record
Mailing Address	73 LOWER MEIGS RD, MOULTRIE, GA 31768-6542
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 18, 2023	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC
Sep 18, 2023	Quit Claim Deed, Transfer WAKULLA TITLE COMPANY INC
Sep 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL CITY BANK
Aug 2, 2019	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL CITY BANK
Jul 9, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Sep 18, 2023 · Amount on Record
Deed Document Number	2026458531
Deed Book / Page	1481 / 627
Prior Transfer Date	Aug 9, 2023
Prior Transfer Doc	0000421604
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Sep 24, 2026
Property Address	2519 SURF RD, PANACEA, FL 32346-2641
Document Number	0000458531
Book / Page	1481 / 627
Instrument Date	Sep 23, 2026
Instrument	2026458531
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$463,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 LOWER MEIGS RD, MOULTRIE, GA 31768-6542

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Sep 18, 2023
Property Address	2519 SURF RD, PANACEA, FL 32346-2641
Document Number	0000421605
Book / Page	1329 / 259
Map Reference	MB 1 PG 45
Instrument Date	Sep 15, 2023
Instrument	421605
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1552 HICKORY AVE, TALLAHASSEE, FL 32303-5818

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2519 SURF RD, PANACEA, FL 32346-2641

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKULLA FL
Recording Date	Sep 18, 2023
Property Address	2519 SURF RD, PANACEA, FL 32346-2641
Document Number	0000421604
Book / Page	1329 / 257
Map Reference	MB I PG 45
Instrument Date	Aug 9, 2023
Instrument	421604
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2519 SURF RD, PANACEA, FL 32346-2641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1552 HICKORY AVE, TALLAHASSEE, FL 32303-5818

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	2519 SURF RD, PANACEA, FL 32346-2641
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2519 SURF RD, OCHLOCKONEE BAY, FL 32346-2641

Mortgage

Document Number	0000395964
Date	Sep 1, 2021
Book Page	1226/652
Instrument	395964

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	236 Months
Due	May 10, 2041

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	2519 SURF RD, PANACEA, FL 32346-2641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000371371
Date	Aug 2, 2019
Book Page	1119/0821
Instrument	371371

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jul 10, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	2519 SURF RD, PANACEA, FL 32346-2641
Document Number	0000371372
Instrument Date	Jul 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2519 SURF RD PANACEA FL 323462641, PANACEA, FL 32346-2641

Mortgage

Document Number	0000371372
Date	Aug 2, 2019
Book Page	001119/000828
Instrument	371372

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23261

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Wakulla County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Wakulla County
Unified School District	Wakulla County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,268.00 (+3.89%) Homeowner's exemption	$324,332 (+2.9%)	$339,175 (+7.61%) Land $132,000 Building $207,175
2024	$4,108.00 (+49.93%) Homeowner's exemption	$315,191 (+49.11%) Land $132,000 Building $183,191	$315,191 (+31.73%) Land $132,000 Building $183,191
2023	$2,740.00 (+4.06%) Homeowner's exemption	$211,387 (+3%)	$239,274 (+4.37%) Land $80,000 Building $159,274
2022	$2,633.00 Homeowner's exemption	$205,230	$229,261 Land $80,000 Building $149,261

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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	Hurricane Michael, Oct 2018 · 11 claims Hurricane Hermine, Sep 2016 · 3 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANACEA AREA WATER SYSTEM serves 3,020 people · EPA ID FL1650514
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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