93 River Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 93 River Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 2002
Lot Size	0.235 acres (10,280 sqft)
Owner	Individual Name on Record
Last Sale	$248,300 (Apr 2021)
Tax Bill	$3,191 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-036-03811-016`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-036-03811-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,492 sqft Heated Area
Gross Area	3,481 sqft
Utility Area	196 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,280 sqft (0.235 acres)
Lot Dimensions	194 ft deep x 53 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	1,036 sqft
Driveway	Driveway
Driveway Area	1,550 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	598 sqft
Deck Area	181 sqft
Patio Area	216 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	93 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 LOTS 16 OR 63 P 959 & OR 82 P 397 OR 114 P 349 OR 178 P 950 OR 401 P 385 DC OR 1135/557 DC OR 1135/66
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	RIVER BEND SUBD
Legal Block	C
Legal Lot Number	16
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2036
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	93 RIVER DR, OCHLOCKONEE BAY, FL 32346-2527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Prior Sale	Sep 19, 2001 · Amount on Record
Deed Document Number	390501
Deed Book / Page	1203 / 162
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Apr 15, 2021
Property Address	93 RIVER DR, PANACEA, FL 32346-2527
Document Number	0000390501
Book / Page	1203 / 162
Map Reference	MB 1 PG 40
Instrument Date	Apr 12, 2021
Instrument	390501
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,738.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 RWER DRIVE, OCHLOCKONEE BAY, FL 32346

Mortgage

Document Number	0000390502
Date	Apr 15, 2021
Book Page	1203/166
Instrument	390502

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$3,191.00 (+4.14%) Homeowner's exemption Disabled Person's exemption	$248,608 (+2.9%)	$289,807 (+9.88%) Land $20,000 Building $269,807
2024	$3,064.00 (+2.72%) Homeowner's exemption Disabled Person's exemption	$241,602 (+3%)	$263,750 (-2%) Land $20,000 Building $243,750
2023	$2,983.00 (+1.6%) Homeowner's exemption Disabled Person's exemption	$234,565 (+3%)	$269,131 (+18.18%) Land $22,000 Building $247,131
2022	$2,936.00 Homeowner's exemption Disabled Person's exemption	$227,733 Land $12,000 Building $215,733	$227,733 Land $12,000 Building $215,733

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	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	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 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

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