2537 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2537 Surf Rd, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,963 sqft · built 1995
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$549,900 (Jun 2021)
Tax Bill	$6,356 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`01-6S-02W-000-03583-001`

Property Details

APN / Parcel Number

Primary APN	`01-6S-02W-000-03583-001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,963 sqft Heated Area
Gross Area	4,287 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2012
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	268 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	953 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	410 sqft
Deck Area	84 sqft
Patio Area	414 sqft
Boat House	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2537 SURF RD
City	PANACEA
State	FL
Zip	32346-2641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P-16-1-M-55 A TRACT LOCATED IN SW CORNER OF SECT 1 BEING THE EAST 1/2 OF A 132 X 267 TRACT CONT .40 AC OR 203 P 745 OR 1176/3
Legal Range	02W
Legal Township	06S
Legal Section	01
Legal Lot Number	1
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2058
Census Tract	10102

Owner

2537 Surf Rd is owned by an individual who bought it in June 2021.

Source: Wakulla County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	16 MEANDER TRCE, THOMASVILLE, GA 31792-1908
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2021 · Amount on File
Deed Sale	Jun 3, 2021 · Amount on File
Deed Document Number	392580
Deed Book / Page	1212 / 86
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jun 3, 2021
Property Address	2537 SURF RD, PANACEA, FL 32346-2641
Document Number	0000392580
Book / Page	1212 / 86
Instrument Date	May 21, 2021
Instrument	392580
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,849.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 493, PANACEA, FL 32346-0493

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MEANDER TRCE, THOMASVILLE, GA 31792-1908

Mortgage

Document Number	0000121288
Date	Jun 3, 2021
Instrument	1212/88

Lender

Name	TC FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2537 Surf Rd was $6,356, down 5% from the year before.

Source: Wakulla County assessment roll, as of July 1, 2025

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	$6,356.00 (-5.05%)	$440,466 (-8.76%) Land $115,500 Building $324,966	$440,466 (-8.76%) Land $115,500 Building $324,966
2024	$6,694.00 (+8.67%)	$482,749 (+9.66%) Land $115,500 Building $367,249	$482,749 (+9.66%) Land $115,500 Building $367,249
2023	$6,160.00 (+9.86%)	$440,237 (+15.49%) Land $70,000 Building $370,237	$440,237 (+15.49%) Land $70,000 Building $370,237
2022	$5,607.00	$381,200 Land $70,000 Building $311,200	$381,200 Land $70,000 Building $311,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2537 Surf Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 2537 Surf Rd is moderate, ranking above 55% of the US, with a 0.1% annual chance of 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

Nearby Properties on Surf Rd

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