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$899,000

Listing Price

3beds

2baths

1,454sqft

98,191sqft lot

2161 Surf Rd, Panacea, FL 32346

Member Features

Find Real Estate Bargain!

  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

  • Get full access with a FREE Account

Already a member?

For Sale

Off Market

Single Family

Home type

585.55

Price / sqft

1995

Year built

Home Details

Welcome to your very own Bay Front Sanctuary with awesome views located just minutes from great restaurants, marinas, boat ramps and beaches! Features include a 3 bedroom, 2 bath home with large lot, 2.17 acres, that extends to Surf Rd., detached 29x23 shop/garage with water and upstairs storage, metal 14x40 RV shelter complete with 30 amp electrical service, asphalt driveway, deep water dock, floating dock, electric boat lift, cleaning station w/outdoor shower, Beach Butler and Hurricane Shudders. Drive is gated. Fishing fans will enjoy the ease of boating to the Gulf or Ochlocknee/Sopchoppy Rivers. House is situated on 16 foot pilings and has a convenient workshop/storage on ground floor as well as tons of entertaining space and outdoor shower with hot water. You will find the screen porch overlooks the Bay and is great for relaxing or entertaining while enjoying the breezes. Interior lives nicely with the open floor plan, cathedral ceilings, wood burning fireplace and a smaller bedroom located upstairs, as well as lots of storage space. The kitchen was very well planned and features stainless steel appliances, over sized gas cooktop, island with lots of storage space and counter space. The bench style dining area adds a bit of Southern Charm. Property is serviced with public sewer and water, gas and tankless water heater. Property is 4, 402 square feet under roof and 1, 454 heated and cooled. There is an older private boat ramp with access to the Bay. And, best of all, the

Interior Details

Square Feet
  • 1454

Bedrooms
  • 3

Bathrooms
  • 2

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Forced Air With Air Conditioning

Cooling
  • Has Cooling:

    Yes

  • Cooling Type:

    Central

Fuel
  • Has Fuel:

    No

  • Fuel Type:

    N/A

Basement
  • Has Basement:

    No

  • Basement Type:

    N/A

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    Vinyl/resilient

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 98191

Water
  • No

Sewer
  • No

Parking
  • Type:

    Driveway Concrete

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    0

Deck
  • No

Patio
  • No

Fence
  • No

Pool
  • No

Porch
  • Yes

Stoop
  • No

Breezeway
  • No

Construction Details

Number of Stories
  • 1

Style
  • N/A

Exterior
  • Aluminum/vinyl

Foundation
  • N/A

Roof
  • Gable/hip

Roofing Material
  • Composition Shingle

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2020

$3,536

$0

$0

--%

$270,466

2019

$4,726

$140,000

$169,949

--%

$309,949

2018

$4,529

$140,000

$153,793

--%

$293,793

2017

$4,466

$140,000

$144,811

--%

$284,811

2016

$4,673

$140,000

$140,950

--%

$280,950

2014

$4,041

$0

$0

--%

$259,663

2013

$4,082

$0

$0

--%

$260,494

2012

$3,882

$0

$0

--%

$249,638

percent-home-icon

Average Home Price in 32346

Nearby Properties

Zip Code

Price

Bed

Bath

Sqft

Lot

Sold Date

$469,000

3 Beds

2 Baths

1,517 Sqft

8,233 Lot (sqft)

Sold 09/29/2026

$899,000

3 Beds

2 Baths

1,454 Sqft

98,191 Lot (sqft)

Sold 10/06/2026

$325,000

3 Beds

1 Baths

1,334 Sqft

4,617 Lot (sqft)

Sold 10/06/2026

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Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
899,000
$
Down payment
179,800
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
5,394
$
HOA (Monthly)
0
$
PMI
0
$
$5,819
Your Payment
Total Monthly Payment:$5,819
Percent of Income:100%
Affordable:No

Details for 2161 SURF RD

Property Debt

Foreclosure Contact Details