2525 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2525 Surf Rd, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,698 sqft · built 1973
Lot Size	0.45 acres (19,619 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,341 (2025)
Deeds & Mortgages	May 2026 Sale
Flood Zone	Zone VE (high risk)
APN	`02-6S-02W-033-03618-000`

Property Details

APN / Parcel Number

Primary APN	`02-6S-02W-033-03618-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,698 sqft Living Area
Gross Area	3,786 sqft
1st Floor Area	2,418 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1975
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,619 sqft (0.45 acres)
Lot Width	96 ft Width
View / Lot	River
Garage Area	540 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	560 sqft
Deck Area	28 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2525 SURF RD
City	PANACEA
State	FL
Zip	32346-2641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TARPON SHORES SUBD UNIT 1 LOT 1 OR 35 P 673 & OR 43 P 745 OR 164 P 433 & OR 240 P 267 OR 290 P 359 OR 288 P 217-218 OR 1269 P 176 DC
Legal Range	02W
Legal Township	06S
Legal Section	02
Legal Subdivision	TARPON SHORES UT I
Legal Lot Number	1
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-033-03618-000

Assessment roll updated January 5, 2026 · Last verified June 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	PO BOX 125, CRAWFORDVILLE, FL 32326-0125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 19, 2026
Transfer Doc	0000454350
Record Updated	Sep 20, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKULLA FL
Recording Date	May 21, 2026
Property Address	2525 SURF RD, PANACEA, FL 32346-2641
Document Number	0000454350
Book / Page	1464 / 285
Instrument Date	May 19, 2026
Instrument	2026454350
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Tax Assessment & Valuation

Source: Wakulla County records · Assessment roll updated January 5, 2026 · Last verified June 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	$3,341.00 (+4.11%) Homeowner's exemption Widower's exemption	$259,849 (+2.9%)	$357,527 (+7.13%) Land $158,400 Building $199,127
2024	$3,209.00 (+6.82%) Homeowner's exemption Widower's exemption	$252,526 (+6.93%)	$333,718 (+26.6%) Land $158,400 Building $175,318
2023	$3,004.00 (+1.32%) Homeowner's exemption Widower's exemption	$236,166 (+2.97%)	$263,608 (+2.85%) Land $96,000 Building $167,608
2022	$2,965.00 Homeowner's exemption	$229,353	$256,302 Land $96,000 Building $160,302

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	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 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
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 69 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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.