98 River Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 98 River Dr, Panacea, FL 32346 · Last verified January 2026

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Mar 2025)
Tax Bill	$1,936 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2021 Sale
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-036-03840-001`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-036-03840-001`

Exterior

Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	175 ft deep x 80 ft wide

Location & Zoning

Street Address	98 RIVER DR
City	PANACEA
State	FL
Zip	32346-2524
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	RIVER BEND SUB BLOCK D LOT 21 OR 829 P 820 OR 895 P 809 OR 1226 P 535 OR 1265 P 571 OR 1401 P 874
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	RIVER BEND SUB
Legal Block	D
Legal Lot Number	21
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2028
Census Tract	10102

Owner

Source: Wakulla County records · APN 03-6S-02W-036-03840-001

Assessment roll updated July 1, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 72, CHATSWORTH, GA 30705-0072
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Sep 01, 2021	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 25, 2025 · Amount on Record
Deed Sale	Mar 25, 2025 · Amount on Record
Prior Sale	May 16, 2022 · Amount on Record
Deed Document Number	439656
Deed Book / Page	1401 / 874
Record Updated	Jun 08, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	May 16, 2022
Property Address	RIVER DR, PANACEA, FL 32346
Document Number	0000405210
Book / Page	1265 / 571
Map Reference	MB 1 PG 40
Instrument Date	May 04, 2022
Instrument	405210
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,119.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1876 PIERCE RD, MARTVILLE, NY 13111-3151

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2002 HAMMOCK DR, VALDOSTA, GA 31602-2104

Mortgage

Document Number	0001265572
Date	May 16, 2022
Instrument	1265/572

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Jun 01, 2025

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Sep 01, 2021
Property Address	RIVER DR, PANACEA, FL 32346
Document Number	0000395931
Book / Page	1226 / 535
Map Reference	MB 1 PG 40
Instrument Date	Aug 25, 2021
Instrument	395931
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$735.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19094 BLUERIDGE MOUNTAIN RD, BLUEMONT, VA 20135-1807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1876 PIERCE RD, MARTVILLE, NY 13111-3151

Tax Assessment & Valuation

Source: Wakulla County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Wakulla County
Unified School District	Wakulla County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,936.00 (+0.47%)	$145,000 (-) Land $145,000	$145,000 (-) Land $145,000
2024	$1,927.00 (-0.46%)	$145,000 (-) Land $145,000	$145,000 (-) Land $145,000
2023	$1,936.00 (+75.68%)	$145,000 (+81.25%) Land $145,000	$145,000 (+81.25%) Land $145,000
2022	$1,102.00	$80,000 Land $80,000	$80,000 Land $80,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Wakulla County (12129C), updated July 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121290101022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	19.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 73 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	101 units insured 28 under condo master policies
Nearby Flood Claims	15 (2005–2018)
Most Recent Claim	Oct 2018, Hurricane Michael
Claims By Storm	Hurricane Michael, Oct 2018 · 11 claims Hurricane Hermine, Sep 2016 · 3 claims

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 27% of Florida
Wildfire Likelihood	About 1 in 1,031 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 42 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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