4 Schooner Ct, Panacea, FL 32346 Property Records

Wakulla County property record for 4 Schooner Ct, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,312 sqft · built 2023
Lot Size	0.18 acres (7,884 sqft)
Owner	2 Individual Names on Record
Last Sale	$61,400 (Dec 2021)
Tax Bill	$5,892 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone VE (high risk)
APN	`08-6S-01W-302-04863-A01`

Property Details

APN / Parcel Number

Primary APN	`08-6S-01W-302-04863-A01`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,312 sqft Heated Area
Gross Area	4,945 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,884 sqft (0.18 acres)
Lot Dimensions	99 ft deep x 80 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	4 SCHOONER CT
City	PANACEA
State	FL
Zip	32346-2671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRADEWINDS SUBDV LOT 1 OR 504 P 451 OR 760 P 331 OR 890 P 514 OR 1243 P 539
Legal Range	01W
Legal Township	06S
Legal Section	08
Legal Subdivision	TRADEWINDS SUB
Legal Lot Number	1
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	3
Census Block	3119
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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	4 SCHOONER CT, PANACEA, FL 32346-2671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Dec 17, 2021	Warranty Deed, Transfer LOWE TITLE SERVICES
Mar 5, 2019	Loan Modification, Mortgage SYNOVUS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Deed Document Number	0001243539
Prior Transfer Date	Oct 4, 2012
Prior Transfer Doc	308929
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	4 SCHOONER CT, PANACEA, FL 32346
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 ENDEVOR DR, PANACEA, FL 32346-2754

Mortgage

Document Number	0000411899
Date	Nov 21, 2022
Book Page	1292/79
Instrument	411899

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Dec 17, 2021
Property Address	4 SCHOONER CT, PANACEA, FL 32346
Document Number	0000399830
Book / Page	1243 / 539
Map Reference	MB 4 PG 7
Instrument Date	Dec 13, 2021
Instrument	399830
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	LOWE TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$429.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12645 BIRMINGHAM HWY, ALPHARETTA, GA 30004-3708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 ENDEVOR DR, PANACEA, FL 32346-2754

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WAKULLA FL
Property Address	SCHOONER CT, PANACEA, FL 32346
Document Number	0000368964
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12645 BIRMINGHAM HWY ALPHARETTA GA 300043708, ALPHARETTA, GA 30004-3708

Mortgage

Document Number	0000368964
Date	May 17, 2019
Book Page	001110/000290
Instrument	368964

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Amount	Amount Recorded

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	$5,892.00 (+3.75%) Homeowner's exemption	$445,977 (+2.9%)	$547,416 (+1.89%) Land $50,000 Building $497,416
2024	$5,679.00 (+540.25%) Homeowner's exemption	$433,408 (+477.88%)	$537,245 (+616.33%) Land $75,000 Building $462,245
2023	$887.00 (+17.02%)	$75,000 (+36.36%) Land $75,000	$75,000 (+36.36%) Land $75,000
2022	$758.00	$55,000 Land $55,000	$55,000 Land $55,000

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 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 65% of the US · above 41% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 70 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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