Wakulla County property record for 2697 Surf Rd, Panacea, FL 32346 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,878 sqft · built 1966 |
| Lot Size | 0.528 acres (23,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $629,900 (Oct 2023) |
| Tax Bill | $7,126 (2025) |
| Deeds & Mortgages | Oct 2023 Sale |
| Flood Zone | Zone VE (high risk) |
| APN | 12-6S-02W-032-03892-000 |
| Primary APN | 12-6S-02W-032-03892-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,878 sqft Heated Area |
| Gross Area | 2,904 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 23,000 sqft (0.528 acres) |
| Lot Dimensions | 230 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 480 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 326 sqft |
| Fence | Fence |
| Utility Building | 30 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2697 SURF RD |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHITE BEACH SUB LOT 12 & STRIP OF LAND TO HWY OR 59 P 326 & OR 73 P 390 OR 162 P 175 OR 280 P 888 OR 1334 P 73 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 12 |
| Legal Subdivision | WHITE BEACH SUB |
| Legal Lot Number | 12 |
| Jurisdiction | WAKULLA FL |
| Township / Civil Division | WEST WAKULLA |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 10102 |
Source: Wakulla County records · APN 12-6S-02W-032-03892-000
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 |
|---|---|
| Mailing Address | 2697 SURF RD, PANACEA, FL 32346-2642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 24, 2023 · Amount on Record |
| Deed Sale | Oct 24, 2023 · Amount on Record |
| Deed Document Number | 422906 |
| Deed Book / Page | 1334 / 73 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKULLA FL |
| Recording Date | Oct 24, 2023 |
| Property Address | 2697 SURF RD, PANACEA, FL 32346 |
| Document Number | 0000422906 |
| Book / Page | 1334 / 73 |
| Map Reference | MB 1 PG 10-A |
| Instrument Date | Oct 24, 2023 |
| Instrument | 422906 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Title Company | HAYWARD TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,409.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2859 VILLAGE CT, GAINESVILLE, GA 30506-1635 |
| Name | Verified Name |
|---|---|
| Address | 11885 US HIGHWAY 19W, BURNSVILLE, NC 28714-6023 |
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 | $7,126.00 (+7.79%) Homeowner's exemption | $538,419 (+6.92%) | $548,325 (+8.88%) Land $165,000 Building $383,325 |
| 2024 | $6,611.00 (+73.34%) Homeowner's exemption | $503,591 (+75.13%) Land $165,000 Building $338,591 | $503,591 (+75.13%) Land $165,000 Building $338,591 |
| 2023 | $3,814.00 (+18.93%) | $287,545 (+38.9%) Land $150,000 Building $137,545 | $287,545 (+38.9%) Land $150,000 Building $137,545 |
| 2022 | $3,207.00 | $207,009 Land $100,000 Building $107,009 | $207,009 Land $100,000 Building $107,009 |
Source: FEMA National Flood Hazard Layer, Wakulla County (12129C), updated July 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121290101022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone VE coastal, wave action |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 19.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 73 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 101 units insured 28 under condo master policies |
| Nearby Flood Claims | 15 (2005–2018) |
| Most Recent Claim | Oct 2018, Hurricane Michael |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 69 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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