Wakulla County property record for 2785 Surf Rd, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,840 sqft · built 1998 |
| Lot Size | 0.466 acres (20,299 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $230,000 (May 2012) |
| Tax Bill | $5,977 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | 12-6S-02W-032-03884-000 |
| Primary APN | 12-6S-02W-032-03884-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,840 sqft Heated Area |
| Gross Area | 3,324 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 20,299 sqft (0.466 acres) |
| Lot Dimensions | 203 ft deep x 100 ft wide |
| Garage Area | 560 sqft |
| Deck Area | 156 sqft |
| Boat Access | Boat Access |
| Boat House | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2785 SURF RD |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHITE BEACH SUB LOT 2 OR 21 P 34 & OR 39 P 526 OR 126 P.247 & OR 261 P 448 OR 305 P 380 OR 592 P 729 OR 867 P 847 OR 880 P 35 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 12 |
| Legal Subdivision | WHITE BEACH SUB |
| Legal Lot Number | 2 |
| Jurisdiction | WAKULLA FL |
| Township / Civil Division | WEST WAKULLA |
| Census Block Group | 2 |
| Census Block | 2058 |
| 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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 3181 CHAIRES CROSS RD, TALLAHASSEE, FL 32317-7626 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2012 · Amount on Record |
| Deed Sale | May 22, 2012 · Amount on Record |
| Prior Sale | Dec 14, 2011 · Amount on Record |
| Deed Document Number | 305986 |
| Deed Book / Page | 0880 / 0352 |
| Record Updated | Jun 8, 2026 |
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 | $5,977.00 (+9.89%) | $460,825 (+9.31%) Land $165,000 Building $295,825 | $460,825 (+9.31%) Land $165,000 Building $295,825 |
| 2024 | $5,439.00 (+5.61%) | $421,576 (+2.98%) Land $165,000 Building $256,576 | $421,576 (+2.98%) Land $165,000 Building $256,576 |
| 2023 | $5,150.00 (+20.47%) | $409,381 (+43.88%) Land $150,000 Building $259,381 | $409,381 (+43.88%) Land $150,000 Building $259,381 |
| 2022 | $4,275.00 | $284,523 Land $100,000 Building $184,523 | $284,523 Land $100,000 Building $184,523 |
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 | 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 |
|
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 | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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