Wakulla County property record for 77 River Dr, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 936 sqft · built 1970 |
| Lot Size | 0.363 acres (15,812 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $477 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 03-6S-02W-036-03812-000 |
| Primary APN | 03-6S-02W-036-03812-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Gross Area | 1,765 sqft |
| 1st Floor Area | 936 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,812 sqft (0.363 acres) |
| Lot Dimensions | 198 ft deep x 80 ft wide |
| Garage Type | Carport |
| Garage Area | 529 sqft |
| Carport | Carport |
| Carport Area | 529 sqft |
| Driveway | Driveway |
| Porch | Patio |
| Porch Area | 240 sqft |
| Deck Area | 85 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 77 RIVER DR |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER BEND SUBD BLOCK C LOT 13 OR 37 P 29 & OR 76 P 353 OR 216 P 417 OR 287 P 613 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Subdivision | RIVER BEND |
| Legal Block | C |
| Legal Lot Number | 13 |
| Jurisdiction | WAKULLA FL |
| Township / Civil Division | WEST WAKULLA |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 10102 |
Source: Wakulla County records, as of October 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 |
|---|---|
| Mailing Address | 77 RIVER DR, PANACEA, FL 32346-2527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 77 RIVER DR, PANACEA, FL 32346-2527 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 77 RIVER DR, PANACEA, FL 32346-2527 |
| Document Number | 0000414314 |
|---|---|
| Date | Feb 15, 2023 |
| Book Page | 1301/181 |
| Instrument | 414314 |
| Name | SELECT PORTFOLIO SERVICING INC |
|---|---|
| Type | Mortgage Company |
| Address | WEST VALLEY CITY, UT 84119 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 475 Months |
| Due | Sep 1, 2062 |
Source: Wakulla County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Wakulla County |
| Unified School District | Wakulla County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $477.00 (+5.53%) Homeowner's exemption Disabled Person's exemption | $60,428 (+2.9%) | $77,264 (+10.75%) Land $20,000 Building $57,264 |
| 2024 | $452.00 Homeowner's exemption Disabled Person's exemption | $58,725 (+3%) | $69,764 (+11.05%) Land $20,000 Building $49,764 |
| 2023 | $452.00 (+26.97%) Homeowner's exemption Disabled Person's exemption | $57,015 (+4.34%) | $62,820 (+5.4%) Land $12,000 Building $50,820 |
| 2022 | $356.00 Homeowner's exemption Disabled Person's exemption | $54,642 | $59,600 Land $12,000 Building $47,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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