69 Bay Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 69 Bay Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,870 sqft · built 1979
Lot Size	0.739 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$269,900 (Aug 2021)
Tax Bill	$743 (2025)
Deeds & Mortgages	Nov 2024 Transfer Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`01-6S-02W-034-03597-000`

Property Details

APN / Parcel Number

Primary APN	`01-6S-02W-034-03597-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,870 sqft Heated Area
Gross Area	2,298 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1988
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.739 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	540 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	402 sqft
Deck Area	112 sqft
Patio Area	144 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	69 BAY DR
City	PANACEA
State	FL
Zip	32346-2605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER SHORE HEIGHTS BLOCK C LOTS 1,2, 3, & 7 OR 35 P 192 OR 174 P 413 OR 249 P 782 OR 24 P 419 OR 273 P 262 OR 511 P 351 OR 4
Legal Range	02W
Legal Township	06S
Legal Section	01
Legal Subdivision	RIVER SHORE HEIGHTS
Legal Block	C
Legal Lot Number	1-3 2
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2060
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	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	69 BAY DR, PANACEA, FL 32346-2605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2024	Quit Claim Deed, Transfer Quitclaim
Aug 18, 2021	Warranty Deed, Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC
Mar 27, 2020	Deed of Trust, Mortgage · Line of Credit FLORIDA ST UNIV CU

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Aug 18, 2021 · Amount on Record
Deed Document Number	0000395509
Deed Book / Page	1224 / 738
Last Transfer Date	Nov 12, 2024
Transfer Doc	0000435557
Record Updated	Jun 8, 2026

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKULLA FL
Recording Date	Nov 12, 2024
Property Address	69 BAY DR, PANACEA, FL 32346-2605
Document Number	0000435557
Book / Page	1385 / 334
Map Reference	MB 1 PG 23
Instrument Date	Nov 12, 2024
Instrument	435557
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69 BAY DR, PANACEA, FL 32346-2605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 BAY DR, POMPANO BEACH, FL 33064

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Aug 18, 2021
Property Address	69 BAY DR, PANACEA, FL 32346-2605
Document Number	0000395509
Book / Page	1224 / 738
Map Reference	MB 1 PG 23
Instrument Date	Jul 17, 2021
Instrument	395509
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,889.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69 BAY DR, 69, PANACEA, FL 32346-2605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1337 SAIPAN RD, CORONADO, CA 92118-3123

Mortgage

Document Number	0001224739
Date	Aug 18, 2021
Instrument	1224/739

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	69 BAY DR, PANACEA, FL 32346-2605
Document Number	0000378007
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	69 BAY DR PANACEA FL 323462605, PANACEA, FL 32346-2605

Mortgage

Document Number	0000378007
Date	Apr 6, 2020
Book Page	001145/000888
Instrument	378007

Lender

Name	FLORIDA ST UNIV CU
Type	Credit Union
Address	TALLAHASSEE, FL 32312

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

Interest

Rate Type	Adjustable Rate

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	$743.00 (-73.7%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$244,950 (+12.05%)	$252,812 (+15.65%) Land $80,000 Building $172,812
2024	$2,825.00 (-11.66%) Homeowner's exemption	$218,610 (+6.18%) Land $60,000 Building $158,610	$218,610 (+6.18%) Land $60,000 Building $158,610
2023	$3,198.00 (+3.93%)	$205,880 (+4.21%) Land $45,000 Building $160,880	$205,880 (+4.21%) Land $45,000 Building $160,880
2022	$3,077.00	$197,555 Land $45,000 Building $152,555	$197,555 Land $45,000 Building $152,555

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	18.0 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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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