2765 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2765 Surf Rd, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 2008
Lot Size	0.51 acres (22,259 sqft)
Owner	Individual Name on File
Last Sale	$865,000 (Apr 2025)
Tax Bill	$6,495 (2025)
Flood Zone	Zone VE (high risk)
APN	`12-6S-02W-032-03886-000`

Property Details

APN / Parcel Number

Primary APN	`12-6S-02W-032-03886-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Heated Area
Gross Area	4,050 sqft
Utility Area	208 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,259 sqft (0.51 acres)
Lot Dimensions	223 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	1,675 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	500 sqft
Deck Area	50 sqft
Patio Area	117 sqft
Fence	Fence
Boat House	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2765 SURF RD
City	PANACEA
State	FL
Zip	32346-2643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE BEACH SUB LOTS 4 DB 38 P 500, 502 OR 211 P 350 OR 378 P 574 OR 584 P 60 OR 715 P 181 OR 850 P 843 OR 861 P 22 OR 1403 P
Legal Range	02W
Legal Township	06S
Legal Section	12
Legal Subdivision	WHITE BEACH SUB
Legal Lot Number	4
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-032-03886-000

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	2765 SURF RD, PANACEA, FL 32346-2643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2025 · Amount on Record
Deed Sale	Apr 01, 2025 · Amount on Record
Prior Sale	Sep 07, 2011 · Amount on Record
Deed Document Number	439974
Deed Book / Page	1403 / 190
Record Updated	Jun 08, 2026

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	$6,495.00 (+8%)	$491,229 (+4.76%) Land $165,000 Building $326,229	$491,229 (+4.76%) Land $165,000 Building $326,229
2024	$6,014.00 (+5.73%)	$468,906 (+3.09%) Land $165,000 Building $303,906	$468,906 (+3.09%) Land $165,000 Building $303,906
2023	$5,688.00 (+19.9%)	$454,857 (+42.45%) Land $150,000 Building $304,857	$454,857 (+42.45%) Land $150,000 Building $304,857
2022	$4,744.00	$319,307 Land $100,000 Building $219,307	$319,307 Land $100,000 Building $219,307

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Based on FCC filings for 69 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	PANACEA AREA WATER SYSTEM serves 3,020 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.