78 Elberta Ct, Panacea, FL 32346 Property Records

Wakulla County property record for 78 Elberta Ct, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,404 sqft · built 2022
Lot Size	3.56 acres (155,509 sqft)
Owner	Individual Name on Record
Last Sale	$615,000 (Jan 2025)
Tax Bill	$3,640 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-209-03702-001`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-209-03702-001`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Heated Area
Gross Area	4,155 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	155,509 sqft (3.56 acres)

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Deck Area	16 sqft
Patio Area	100 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	78 ELBERTA CT
City	PANACEA
State	FL
Zip	32346-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER GLEN SUB. LOT 1 DB 40 P 371 & OR 260 P 19 OR 268 P 603 OR 369 P 807 OR 605 P 61 OR 654 P 733 OR 853 P 148 OR 901 P 488
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	SILVER GLEN SUB
Legal Lot Number	1
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2025
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	Co-owner on Record
Mailing Address	78 ELBERTA CT, PANACEA, FL 32346-2504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2025 · Amount on Record
Deed Sale	Jan 17, 2025 · Amount on Record
Prior Sale	Jan 22, 2021 · Amount on Record
Deed Document Number	437527
Deed Book / Page	1393 / 623
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jan 22, 2021
Property Address	78 ELBERTA CT, PANACEA, FL 32346-2504
Document Number	0000387420
Book / Page	1189 / 808
Map Reference	MB 3 PG 2-5
Instrument Date	Jan 20, 2021
Instrument	387420
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	285 RHOADS AVE, COLUMBUS, OH 43205-2284

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1421, WESTCLIFFE, CO 81252-1421

Mortgage

Document Number	0001189809
Date	Jan 22, 2021
Instrument	1189/809

Lender

Name	SCARBROUGH FARM FLP
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
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	$3,640.00 (-21.69%) Homeowner's exemption	$277,275 (-22.07%) Land $35,000 Building $242,275	$277,275 (-22.07%) Land $35,000 Building $242,275
2024	$4,648.00 (-0.43%) Homeowner's exemption	$355,784 (-0.02%) Land $128,600 Building $227,184	$355,784 (-0.02%) Land $128,600 Building $227,184
2023	$4,668.00 (+157.47%) Homeowner's exemption	$355,842 (+170.67%) Land $128,600 Building $227,242	$355,842 (+170.67%) Land $128,600 Building $227,242
2022	$1,813.00	$131,465 Land $128,600 Building $2,865	$131,465 Land $128,600 Building $2,865

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 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	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.2% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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