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285 Bay Dr, Panacea, FL 32346 Property Records

Franklin County property record for 285 Bay Dr, Panacea, FL 32346

Property Summary

Property TypeDuplex
Details2 bd · 1 ba · 899 sqft · built 1938
Lot Size0.24 acres (10,454 sqft)
OwnerIndividual Name on Record
Last Sale$100,000 (Feb 2018)
Tax Bill$1,213 (2025)
Deeds & MortgagesFeb 2018 Sale
Flood ZoneZone AE (high risk)
APN28-06S-02W-0000-0020-0030

Property Details

APN / Parcel Number

Primary APN28-06S-02W-0000-0020-0030
Alternative APN
  • 02W06S28000000200030

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area899 sqft Living Area
1st Floor Area899 sqft
FlooringCarpet
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 1978
Architectural StyleBungalow
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,454 sqft (0.24 acres)
Lot Width57.5 ft Width
Deck Area340 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address285 BAY DR
CityPANACEA
StateFL
Zip32346
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal DescriptionNORTHWESTERLY PART OF LOT 2 CONTAINING 0.24 AC OR/164/263 OR/168/492 OR/268/170 268/175 OR 279/128 OR/153/579 OR 184/221 874/245 989/197 989/199 1181/473 1211/469
Legal Range02W
Legal Township06S
Legal Section28
Legal SubdivisionCAMP WEED
Legal Lot Number2
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2094
Census Tract970102

Owner

Source: Franklin County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address1255 COMMERCE BLVD, MIDWAY, FL 32343-6628
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 12, 2018 · Amount on Record
Deed SaleFeb 12, 2018 · Amount on Record
Prior SaleDec 5, 2016 · Amount on Record
Deed Document Number2018665
Deed Book / Page1211 / 469
Prior Transfer DateJan 29, 2018
Prior Transfer Doc0019000665
Record UpdatedOct 29, 2026

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFRANKLIN FL
Recording DateFeb 12, 2018
Property Address285 BAY DR, PANACEA, FL 32346-2608
Document Number0019000665
Book / Page001211 / 000469
Instrument DateJan 29, 2018
Instrument19000665
Transaction TypeTransfer
Record UpdatedMar 15, 2018

Transaction

AmountAmount Recorded
Tax$700.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1255 COMMERCE BLVD MIDWAY FL 323436628, MIDWAY, FL 32343-6628

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,213.00 (-1.94%)$120,762 (-0.99%) Land $75,000 Building $45,762$120,762 (-0.99%) Land $75,000 Building $45,762
2024$1,237.00 (-4.48%)$121,975 (-0.99%) Land $75,000 Building $46,975$121,975 (-0.99%) Land $75,000 Building $46,975
2023$1,295.00 (-3.29%)$123,197 (-0.97%) Land $75,000 Building $48,197$123,197 (-0.97%) Land $75,000 Building $48,197
2022$1,339.00$124,409 Land $75,000 Building $49,409$124,409 Land $75,000 Building $49,409

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 April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation15.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 293 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies329 units insured
incl. 36 condo units
Nearby Flood Claims72 (2005–2024)
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 12 claims
  • Hurricane Michael, Oct 2018 · 45 claims
  • Hurricane Dennis, Jul 2005 · 8 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 RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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