28 Division St, Panacea, FL 32346 Property Records

Wakulla County property record for 28 Division St, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,800 sqft · built 2007
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Sep 2020)
Tax Bill	$3,270 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`25-5S-02W-046-03545-000`

Property Details

APN / Parcel Number

Primary APN	`25-5S-02W-046-03545-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,800 sqft Heated Area
Gross Area	3,549 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	153 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	1,136 sqft

Exterior Amenities

Porch	Porch
Porch Area	1,389 sqft
Deck Area	60 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	28 DIVISION ST
City	PANACEA
State	FL
Zip	32346-2312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AGUA DE VIDA BLOCK W LOTS 5, 6, & 7 DB 38 P 381 OR 107 P 832 OR 588 P 4 OR 601 P 807 OR 706 P 527 OR 862 P 407 OR 1045 P 587
Legal Range	02W
Legal Township	05S
Legal Section	25
Legal Subdivision	AQUA DE VIDA
Legal Block	W
Legal Lot Number	5,6 6
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	3
Census Block	3049
Census Tract	10102

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	28 DIVISION ST, PANACEA, FL 32346-2312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage CU MEMBERS MORTGAGE
Aug 19, 2020	Deed of Trust, Mortgage · Conventional with PMI CREDIT UNION MEMBERS MTG
Aug 3, 2018	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Aug 28, 2017	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on Record
Deed Sale	Sep 10, 2020 · Amount on Record
Prior Sale	Aug 3, 2018 · Amount on Record
Deed Document Number	382863
Deed Book / Page	1168 / 380
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Sep 10, 2020
Property Address	28 DIVISION ST, PANACEA, FL 32346-2312
Document Number	0000382863
Book / Page	1168 / 380
Map Reference	MB 1 PG 12
Instrument Date	Aug 19, 2020
Instrument	382863
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	HAYWARD TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4304 FOUR OAKS BLVD, 4304, TALLAHASSEE, FL 32311-3348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 DIVISION ST, PANACEA, FL 32346-2312

Mortgage

Document Number	0001168383
Date	Sep 10, 2020
Instrument	1168/383

Lender

Name	CU MEMBERS MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	28 DIVISION ST, PANACEA, FL 32346-2312
Document Number	0000382864
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4672 STONE RIDGE TRL SARASOTA FL 342323022, SARASOTA, FL 34232-3022

Mortgage

Document Number	0000382864
Date	Sep 10, 2020
Book Page	001168/000383
Instrument	382864

Lender

Name	CREDIT UNION MEMBERS MTG
Type	Credit Union
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Aug 3, 2018
Property Address	28 DIVISION ST, PANACEA, FL 32346-2312
Document Number	0000361278
Book / Page	1081 / 0468
Map Reference	MB1 PG12
Instrument Date	Jul 31, 2018
Instrument	361278
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	WAKULLA TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 DIVISION ST, PANACEA, FL 32346-2312

Mortgage

Document Number	0000361279
Date	Aug 3, 2018
Instrument	361279

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Aug 28, 2017
Property Address	28 DIVISION ST, PANACEA, FL 32346-2312
Document Number	0000351955
Book / Page	001045 / 000587
Instrument Date	Aug 22, 2017
Instrument	351955
Transaction Type	Transfer
Record Updated	Sep 7, 2017
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$1,746.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 DIVISION ST PANACEA FL 32346, PANACEA, FL 32346

Tax Assessment & Valuation

Source: Wakulla County assessment roll, as of July 1, 2025

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	$3,270.00 (+4.04%) Homeowner's exemption	$249,526 (+2.9%)	$386,963 (+3.18%) Land $36,900 Building $350,063
2024	$3,143.00 (+2.68%) Homeowner's exemption	$242,494 (+3%)	$375,045 (+25.83%) Land $37,875 Building $337,170
2023	$3,061.00 (+3.59%) Homeowner's exemption	$235,431 (+3%)	$298,068 (+14.21%) Land $18,000 Building $280,068
2022	$2,955.00 Homeowner's exemption	$228,574	$260,979 Land $18,000 Building $242,979

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 AE high risk
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 132 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	156 units insured incl. 24 condo units
Nearby Flood Claims	23 (1995–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 6 claims Hurricane Michael, Oct 2018 · 9 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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% 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.

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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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