2739 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2739 Surf Rd, Panacea, FL 32346 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,670 sqft · built 1970
Lot Size	0.539 acres (23,479 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Aug 2022)
Tax Bill	$2,636 (2025)
Deeds & Mortgages	Aug 2022 Sale
Flood Zone	Zone VE (high risk)
APN	`12-6S-02W-032-03888-000`

Property Details

APN / Parcel Number

Primary APN	`12-6S-02W-032-03888-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,670 sqft Heated Area
Gross Area	2,594 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,479 sqft (0.539 acres)
Lot Dimensions	235 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	504 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	156 sqft
Deck Area	350 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2739 SURF RD
City	PANACEA
State	FL
Zip	32346-2643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE BEACH SUB LOT 8 OR 81 P 721 & OR 91 P 723 OR 124 P 639 OR 432 P 589 OR 620 P 781 OR 832 P 668 OR 842 P 45 OR 1278 P 651
Legal Range	02W
Legal Township	06S
Legal Section	12
Legal Subdivision	WHITE BEACH SUB
Legal Lot Number	8
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2058
Census Tract	10102

Owner

Source: Wakulla County records · APN 12-6S-02W-032-03888-000

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
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 292, PANACEA, FL 32346-0292
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Dec 27, 2010 · Amount on Record
Deed Document Number	408453
Deed Book / Page	1278 / 651
Record Updated	Jun 08, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Aug 16, 2022
Property Address	2739 SURF RD, PANACEA, FL 32346-2643
Document Number	0000408453
Book / Page	1278 / 651
Map Reference	MB 1 PG 10
Instrument Date	Aug 12, 2022
Instrument	408453
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,465.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1069 TROON DR E, 1069, NICEVILLE, FL 32578-4062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 ALACHUA AVE, TALLAHASSEE, FL 32308-6923

Tax Assessment & Valuation

Source: Wakulla County records · Assessment roll updated July 1, 2025 · Last verified January 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 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	$2,636.00 (-53.38%) Homeowner's exemption	$202,017 (-48.42%)	$402,834 (+2.85%) Land $165,000 Building $237,834
2024	$5,654.00 (-2.45%)	$391,672 (-2.21%) Land $165,000 Building $226,672	$391,672 (-2.21%) Land $165,000 Building $226,672
2023	$5,796.00 (+94.11%)	$400,530 (+109.76%) Land $150,000 Building $250,530	$400,530 (+109.76%) Land $150,000 Building $250,530
2022	$2,986.00	$190,945 Land $100,000 Building $90,945	$190,945 Land $100,000 Building $90,945

Flood & Wildfire

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

Flood

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	Hurricane Michael, Oct 2018 · 11 claims Hurricane Hermine, Sep 2016 · 3 claims

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 649 per year
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, 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.