5 River Cv, Panacea, FL 32346 Property Records

Wakulla County property record for 5 River Cv, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,623 sqft · built 1980
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2015)
Tax Bill	$4,485 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-036-03851-032`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-036-03851-032`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,623 sqft Heated Area
Gross Area	3,628 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,987 sqft (0.367 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	809 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	429 sqft
Deck Area	192 sqft
Patio Area	335 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5 RIVER CV
City	PANACEA
State	FL
Zip	32346-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND SUB BLOCK D LOT 32 OR 48 P 486 OR 71 P 412 OR 220 P 574 OR 419 P 54 OR 978 P 683
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	RIVER BEND SUB
Legal Block	D
Legal Lot Number	32
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2028
Census Tract	10102

Owner

5 River Cv is owned and occupied by two individuals who bought it in August 2015.

Source: Wakulla County records, as of January 19, 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	2 Individual Names on File
Mailing Address	5 RIVER CV, PANACEA, FL 32346-2523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Line of Credit PRIME MERIDIAN BANK
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIME MERIDIAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2015 · Amount on File
Deed Sale	Aug 25, 2015 · Amount on File
Prior Sale	Sep 6, 2001 · Amount on File
Deed Document Number	333892
Deed Book / Page	0978 / 0683
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	5 RIVER CV, PANACEA, FL 32346-2523
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1072 POWELL WRIGHT RD, MARIETTA, GA 30066-6463

Mortgage

Document Number	0000388494
Date	Feb 25, 2021
Book Page	1194/546
Instrument	388494

Lender

Name	PRIME MERIDIAN BANK
Type	Bank
Address	TALLAHASSEE, FL 32312

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	5 RIVER CV, PANACEA, FL 32346-2523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000386321
Date	Dec 18, 2020
Book Page	1184/296
Instrument	386321

Lender

Name	PRIME MERIDIAN BANK
Type	Bank
Address	TALLAHASSEE, FL 32312

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 5 River Cv was $4,485 with a homeowner's exemption, up 3.9% from the year before.

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	$4,485.00 (+3.87%) Homeowner's exemption	$340,571 (+2.9%)	$357,928 (+8.14%) Land $145,000 Building $212,928
2024	$4,318.00 (-9.3%) Homeowner's exemption	$330,973 (-8.79%) Land $145,000 Building $185,973	$330,973 (-22.93%) Land $145,000 Building $185,973
2023	$4,761.00 (+9.57%) Homeowner's exemption	$362,871 (+10.14%)	$429,440 (+30.34%) Land $145,000 Building $284,440
2022	$4,345.00 Homeowner's exemption	$329,466 Land $80,000 Building $249,466	$329,466 Land $80,000 Building $249,466

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

Flood

FEMA maps place 5 River Cv in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 5 River Cv is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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

Nearby Properties on River Cv

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