34 River Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 34 River Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,940 sqft · built 1950
Lot Size	0.357 acres (15,551 sqft)
Owner	Company Name on Record
Last Sale	$475,000 (Oct 2023)
Tax Bill	$7,890 (2025)
Deeds & Mortgages	Oct 2023 Sale Mortgage + 7 more
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-036-03829-000`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-036-03829-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,940 sqft Heated Area
Gross Area	4,302 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1986
Exterior Material	Siding
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,551 sqft (0.357 acres)
Lot Dimensions	255 ft deep x 61 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	697 sqft
Deck Area	414 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	34 RIVER DR
City	PANACEA
State	FL
Zip	32346-2524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND SUB BLOCK D LOTS 8 & 9 & LESS 7' OFF LOT 9 OR 25 P 295 OR 94 P 441 OR 283 P 702 OR 384 P 432 OR 386 P 371 OR 940 P
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	RIVER BEND SUB
Legal Block	D
Legal Lot Number	8,9 9
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2028
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	Company Name on Record
Mailing Address	718 ASHVILLE HWY, MONTICELLO, FL 32344-4872
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC
	Deed of Trust, Mortgage
	Deed of Trust, Mortgage
Aug 19, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage CEDAR OAK INC
Jul 6, 2020	Deed of Trust, Mortgage MOUNTAIN VIEW CORP
Sep 4, 2020	Deed of Trust, Mortgage · Conventional with PMI CAMSON CROWN CAP LLC
Jun 2, 2020	Warranty Deed, Construction Loan · Construction Mortgage PURPOSE BUILT INVESTMENT LLC PURPOSE BUILT INVESTMENT LLC
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASAYA LLC
Feb 1, 2018	Trustee's Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2023 · Amount on Record
Deed Sale	Oct 27, 2023 · Amount on Record
Prior Sale	Feb 1, 2018
Deed Document Number	423019
Deed Book / Page	1334 / 345
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Oct 27, 2023
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Document Number	0000423019
Book / Page	1334 / 345
Map Reference	MB 1 PG 40
Instrument Date	Oct 23, 2023
Instrument	423019
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$3,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6323 MEMORIAL HWY STE 121D, 121D, TAMPA, FL 33615-4509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	718 ASHVILLE HWY, MONTICELLO, FL 32344-4872

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 N REPO ST, TAMPA, FL 33609-1061
Investor	Possibly a Property Investor

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 N REO ST 202, 202, TAMPA, FL 33609-1062
Investor	Possibly a Property Investor

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 N REO ST 202, 202, TAMPA, FL 33609-1062

Mortgage

Document Number	0000408624
Date	Aug 19, 2022
Book Page	1279/324
Instrument	408624

Lender

Name	CEDAR OAK INC
Type	Non-Lending Institution
Address	KELLER, TX 76248

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PEER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000380673
Date	Jul 6, 2020
Book Page	1158/674
Instrument	380673

Lender

Name	MOUNTAIN VIEW CORP
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33304

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Document Number	0000382882
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	PEER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5009 N CENTRAL AVE TAMPA FL 336032213, TAMPA, FL 33603-2213

Mortgage

Document Number	0000382882
Date	Sep 10, 2020
Book Page	001168/000497
Instrument	382882

Lender

Name	CAMSON CROWN CAP LLC
Address	4215 W MORRISON AVE, TAMPA, FL 33629-4337

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

June 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jun 2, 2020
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Document Number	0000379562
Book / Page	001153 / 000540
Instrument Date	Mar 5, 2020
Instrument	379562
Transaction Type	Construction Loan
Record Updated	Jul 14, 2020
Title Company	PEER TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,138.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5009 N CENTRAL AVE TAMPA FL 336032213, TAMPA, FL 33603-2213

Mortgage

Document Number	379563
Date	Jun 2, 2020
Book Page	001153/000543
Instrument	379563

Lender

Name	PURPOSE BUILT INVESTMENT LLC PURPOSE BUILT INVESTMENT LLC
Type	Bank
Address	SAN JUAN

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 1, 2021

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Document Number	0000380732
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	PEER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5009 N CENTRAL AVE TAMPA FL 336032213, TAMPA, FL 33603-2213
Investor	Possibly a Property Investor

Mortgage

Document Number	0000380732
Date	Jul 7, 2020
Book Page	001159/000010
Instrument	380732

Lender

Name	ASAYA LLC
Address	2033 ME I4TH CT, FORT LAUDERDALE, FL 33304

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	WAKULLA FL
Recording Date	Feb 1, 2018
Property Address	34 RIVER DR, PANACEA, FL 32346-2524
Document Number	0000356084
Book / Page	001061 / 000733
Instrument Date	Jan 11, 2018
Instrument	356084
Transaction Type	Transfer
Record Updated	Feb 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1430 BLUE OAKS BLVD #288 ROSEVILLE CA 957475177, 288, ROSEVILLE, CA 95747-5177

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	$7,890.00 (+16.15%)	$531,097 (+19.78%) Land $217,500 Building $313,597	$531,097 (+19.78%) Land $217,500 Building $313,597
2024	$6,793.00 (-13.98%)	$443,386 (-21.18%) Land $217,500 Building $225,886	$443,386 (-21.18%) Land $217,500 Building $225,886
2023	$7,897.00 (+16.51%)	$562,503 (+27.74%) Land $217,500 Building $345,003	$562,503 (+27.74%) Land $217,500 Building $345,003
2022	$6,778.00	$440,363 Land $120,000 Building $320,363	$440,363 Land $120,000 Building $320,363

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 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

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 67% of the US · above 47% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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