Wakulla County property record for 2780 Surf Rd, Panacea, FL 32346
| Property Type | Religious, Church, Worship (Synagogue, Temple, Parsonage) |
|---|---|
| Details | 5,584 sqft · built 1981 |
| Lot Size | 2.78 acres (121,097 sqft) |
| Owner | Company Name on Record |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 12-6S-02W-000-03865-001 |
| Primary APN | 12-6S-02W-000-03865-001 |
|---|
| Plumbing Fixtures | 10 Plumbing Fixtures |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 5,584 sqft Total Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 121,097 sqft (2.78 acres) |
| Driveway | Driveway |
| Driveway Area | 180 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 120 sqft |
| Patio Area | 192 sqft |
| Canopy | 24 sqft |
| Utility Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2780 SURF RD |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2635 |
| Property Category | Other |
| Property Type | Other > Religious, Church, Worship (Synagogue, Temple, Parsonage) |
| Local Zoning Code | C2 |
| Legal Description | 12-6S-2W P-1-1-M-55 2 PARCELS IN FRACTIONAL SEC 12 OR 70 P 276 & OR 85 P 710 OR 154 P. 243 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 12 |
| Legal Lot Number | 12 |
| Jurisdiction | WAKULLA FL |
| Township / Civil Division | WEST WAKULLA |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 10102 |
Source: Wakulla County records, as of January 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 839, PANACEA, FL 32346-0839 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 1989 |
| Deed Sale | May 8, 1989 |
| Deed Document Number | 0000154243 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 2780 SURF RD, PANACEA, FL 32346-2635 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 11 MASHES SANDS RD A6, A6, OCHLOCKONEE, FL 32346-2769 |
| Document Number | 0000396161 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 1227/403 |
| Instrument | 396161 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
Source: Wakulla County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Wakulla County |
| Unified School District | Wakulla County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Additional exemption filed | $253,530 (-3.01%) Land $69,500 Building $184,030 | $253,530 (-3.01%) Land $69,500 Building $184,030 |
| 2023 | Additional exemption filed | $261,386 Land $69,500 Building $191,886 | $261,386 Land $69,500 Building $191,886 |
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 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 | 18.0 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 |
|
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 | Moderate above 62% of the US · lower than 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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: 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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures