4530 Palms Way, Panacea, FL 32346 Property Records

Franklin County property record for 4530 Palms Way, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,557 sqft · built 2023
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on File
Last Sale	$345,700 (Jan 2024)
Tax Bill	$4,431 (2025)
Deeds & Mortgages	Jan 2024 Sale & Line of Credit Apr 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`28-06S-02W-0000-0010-0033`

Property Details

APN / Parcel Number

Primary APN	`28-06S-02W-0000-0010-0033`
Alternative APN	`02W06S28000000100033`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,557 sqft Living Area
1st Floor Area	1,557 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Bungalow
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4530 PALMS WAY
City	PANACEA
State	FL
Zip	32346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE BLUFFS AT ST TERESA LOT 3 PB 10/41 913/85 956/377 1067/82 1120/574 1209/452 1297/561 1383/679
Legal Range	02W
Legal Township	06S
Legal Section	28
Legal Subdivision	THE BLUFFS AT ST TERESA
Legal Lot Number	3
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2094
Census Tract	970102

Owner

Source: Franklin County records, as of June 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Warranty Deed, Transfer · Line of Credit AMERIS BANK
Apr 16, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 9, 2018	Warranty Deed, Subdivision Related Transfer WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2024 · Amount on File
Deed Sale	Jan 29, 2024 · Amount on File
Prior Sale	Apr 16, 2021 · Amount on File
Deed Document Number	2024432
Deed Book / Page	1383 / 679
Prior Transfer Date	Jan 26, 2024
Prior Transfer Doc	0019000432
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jan 29, 2024
Property Address	4530 PALMS WAY, PANACEA, FL 32346
Document Number	0019000432
Book / Page	1383 / 679
Map Reference	MB 10 PG 41
Instrument Date	Jan 26, 2024
Instrument	202419000432
Transaction Type	Transfer
Record Updated	Feb 16, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,419.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315

Mortgage

Document Number	0019000784
Date	Feb 16, 2024
Book Page	1385/120
Instrument	202419000784

Lender

Name	AMERIS BANK
Type	Bank
Address	CRAWFORDVILLE, FL 32327

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Apr 16, 2021
Property Address	4530 PALMS WAY, PANACEA, FL 32346
Document Number	0019002351
Book / Page	1297 / 561
Instrument Date	Apr 14, 2021
Instrument	202119002351
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5110 62ND AVE S, 5110, SAINT PETERSBURG, FL 33715-1630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jan 9, 2018
Property Address	4530 PALMS WAY, PANACEA, FL 32346
Document Number	0019000097
Book / Page	001209 / 000452
Instrument Date	Dec 28, 2017
Instrument	19000097
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 26, 2018
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$1,680.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5110 62ND AVE S ST PETERSBURG FL 337151630, ST PETERSBURG, FL 33715-1630

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,431.00 (+3.62%)	$475,999 (-0.76%) Land $120,000 Building $355,999	$475,999 (-0.76%) Land $120,000 Building $355,999
2024	$4,276.00 (+683.15%)	$479,630 (+772.05%) Land $120,000 Building $359,630	$479,630 (+772.05%) Land $120,000 Building $359,630
2023	$546.00 (-2.5%)	$55,000 (-) Land $55,000	$55,000 (-) Land $55,000
2022	$560.00	$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · 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	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 293 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	329 units insured incl. 36 condo units
Nearby Flood Claims	72 (2005–2024)
Most Recent Claim	Sep 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 Risk	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	0.4% 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.

Internet Providers

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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