2709 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2709 Surf Rd, Panacea, FL 32346

Property Summary

Property Type	Residential Vacant Land
Details	1 ba · 1,382 sqft · built 1962
Lot Size	0.546 acres (23,784 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Jun 2023)
Tax Bill	$2,203 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2023 Sale + 1 more
Flood Zone	Zone VE (high risk)
APN	`12-6S-02W-032-03891-000`

Property Details

APN / Parcel Number

Primary APN	`12-6S-02W-032-03891-000`

Interior

Full Baths	1 Bath
Building Area	1,382 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Roof Material	Asphalt
Lot Area	23,784 sqft (0.546 acres)
Lot Dimensions	238 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2709 SURF RD
City	PANACEA
State	FL
Zip	32346-2643
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	WHITE BEACH SUB LOT 11 ALSO ALL LAND LYING BETWEEN N END OF S BOUNDARY LINE OF ST RD OR 16 P 581 & OR 75 P 453 OR 321 P 158 OR 491 P 775 OR 584 P 131 OR 625 PG 55 OR 832 P 672 OR 837 P 59 OR 1106 P 659 OR 1316 P 616
Legal Subdivision	WHITE BEACH
Legal Lot Number	11
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 April 10, 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	9360 SW 177TH ST, PALMETTO BAY, FL 33157-5743
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage PRIME MERIDIAN BANK
Jun 14, 2023	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC
Apr 11, 2019	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2023 · Amount on Record
Deed Sale	Jun 14, 2023 · Amount on Record
Prior Sale	Apr 11, 2019 · Amount on Record
Deed Document Number	2023418363
Deed Book / Page	1316 / 616
Prior Transfer Date	May 30, 2003
Prior Transfer Doc	0000199627
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	2709 SURF RD, PANACEA, FL 32346-2643
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9360 SW 177TH ST, PALMETTO BAY, FL 33157-5743

Mortgage

Document Number	0000451368
Date	Mar 5, 2026
Book Page	1451/152
Instrument	451368

Lender

Name	PRIME MERIDIAN BANK
Type	Bank
Address	TALLAHASSEE, FL 32312

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Mar 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Mar 1, 2032
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Margin	3
Max Rate	11.5%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jun 14, 2023
Property Address	2709 SURF RD, PANACEA, FL 32346
Document Number	2023418363
Book / Page	1316 / 616
Map Reference	MB 1 PG 10-A
Instrument Date	Jun 6, 2023
Instrument	2023418363
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1876 PIERCE RD, MARTVILLE, NY 13111-3151

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9360 SW 17TH ST, MIAMI, FL 33165-7721

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Apr 11, 2019
Property Address	2709 SURF RD, PANACEA, FL 32346
Document Number	0000367972
Book / Page	001106 / 000659
Instrument Date	Apr 9, 2019
Instrument	367972
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$817.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1876 PIERCE RD MARTVILLE NY 131113151, MARTVILLE, NY 13111-3151

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	$2,203.00 (+0.46%)	$165,000 (-) Land $165,000	$165,000 (-) Land $165,000
2024	$2,193.00 (+29.08%)	$165,000 (+9.31%) Land $165,000	$165,000 (+9.31%) Land $165,000
2023	$1,699.00 (+22.14%)	$150,950 (+49.53%) Land $150,000 Building $950	$150,950 (+49.53%) Land $150,000 Building $950
2022	$1,391.00	$100,950 Land $100,000 Building $950	$100,950 Land $100,000 Building $950

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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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

Cell Coverage

4G LTE only, no 5G reported

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