Franklin County property record for 269 Bay Dr, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 860 sqft · built 1938 |
| Lot Size | 0.296 acres (12,873 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Apr 2010) |
| Tax Bill | $2,658 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 28-06S-02W-0000-0020-0260 |
| Primary APN | 28-06S-02W-0000-0020-0260 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 860 sqft Living Area |
| Gross Area | 1,146 sqft |
| 1st Floor Area | 860 sqft |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,873 sqft (0.296 acres) |
| Lot Width | 243 ft Width |
| Porch | Finished Screened Porch |
| Porch Area | 286 sqft |
| Deck Area | 438 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 269 BAY DR |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE SOUTHWESTERLY PART OF LOT 4 OR 220/47 465/29 649/78 1009/183 1277/1 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 28 |
| Legal Lot Number | 4 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2094 |
| Census Tract | 970102 |
Source: Franklin County records, as of November 26, 2025
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 | 269 BAY DR, PANACEA, FL 32346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2010 · Amount on Record |
| Deed Sale | Apr 12, 2010 · Amount on Record |
| Prior Sale | Oct 5, 2000 · Amount on Record |
| Deed Document Number | 20101947 |
| Deed Book / Page | 1009 / 183 |
| Last Transfer Date | Sep 18, 2020 |
| Transfer Doc | 0019004417 |
| Record Updated | Jun 8, 2026 |
Source: Franklin County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,658.00 (+3.59%) | $289,804 (-0.62%) Land $85,000 Building $204,804 | $289,804 (-0.62%) Land $85,000 Building $204,804 |
| 2024 | $2,566.00 (+8.59%) | $291,605 (+16.92%) Land $85,000 Building $206,605 | $291,605 (+16.92%) Land $85,000 Building $206,605 |
| 2023 | $2,363.00 (+11.25%) | $249,400 (+20.82%) Land $85,000 Building $164,400 | $249,400 (+20.82%) Land $85,000 Building $164,400 |
| 2022 | $2,124.00 | $206,422 Land $85,000 Building $121,422 | $206,422 Land $85,000 Building $121,422 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 16.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 293 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 329 units insured incl. 36 condo units |
| Nearby Flood Claims | 72 (2005–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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