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Single Family ResidenceResidential
$626,420$388 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $275,000 on Sep 17, 2019

138 RIVER DR

PANACEA, FL 32346
4
Beds
2
Baths
1,616 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$626K
$590K low$663K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$275,000 · Sep 17, 2019
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$407,020
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$325,616
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.39%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$219,400
HOME POINT FINANCIAL CORPORATION · recorded Sep 17, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,744 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$382,380 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$145,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$237,380
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$350,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$382,380

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.88 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.86%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent coastal flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWakulla
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1995
Lot (acres)The size of the land the home sits on, from county records.0.37
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pile
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 773 ft²Patio · 858 ft²Porch · 672 ft²Boat access

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Medart Elementary SchoolA
Elementary · Grades PK–5 · 6.8 mi
H
Wakulla High SchoolB
High · Grades 9–12 · 8.9 mi
M
Wakulla Middle SchoolB-
Middle · Grades 6–8 · 10.3 mi

District: Wakulla County School District

Neighborhood · ZIP 32346These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.172
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.74
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.65%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.1,701
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.29 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,128
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,255
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.60 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

138 River Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 95% of homes in Wakulla County
  • Costs more per square foot than 98% of homes in Wakulla County
  • Bigger than 67% of homes in Panacea 32346
  • Has a smaller lot than 67% of homes in Wakulla County
  • Older than 67% of homes in Wakulla County

What homes are worth in Panacea 32346

Each bar is how many homes fall in that price range. The marker is this home.

This home
$89K$1.5M

This home is worth more than 65% of homes in Panacea 32346.

How it measures up in Panacea 32346

The dot is this home. The mark in the middle is the typical home in Panacea 32346.

Estimated value$626,420
CheaperTypical $500,352Pricier

Pricier than 65% of homes nearby

Price per ft²$388
CheaperTypical $340Pricier

Pricier than 60% of homes nearby

Living area1,616 ft²
SmallerTypical 1,390 ft²Bigger

Bigger than 67% of homes nearby

Lot size0.37 ac
SmallerTypical 0.34 acBigger

Bigger than 55% of homes nearby

Year built1991
OlderTypical 1983Newer

Newer than 66% of homes nearby

How 138 River Dr ranks against every home in each area.
MeasureThis homePanacea 32346Wakulla County
Estimated valuepricier than$626,42065% of homes95% of homes
Price per ft²pricier than$38860% of homes98% of homes
Living areabigger than1,616 ft²67% of homes58% of homes
Lot sizebigger than0.37 ac55% of homes33% of homes
Year builtnewer than199166% of homes33% of homes

About 138 River Dr

How much is 138 River Dr, Panacea, FL worth?

The TopHap Estimate for 138 River Dr, Panacea, FL is $626,420 as of Jul 14, 2026. The likely range is $589,655 to $663,185. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 138 River Dr, Panacea, FL last sell?

138 River Dr, Panacea, FL last sold on Sep 17, 2019 for $275,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 138 River Dr, Panacea, FL?

138 River Dr, Panacea, FL has 4 bedrooms, 2 bathrooms, 1,616 square feet of living space and a 0.37-acre lot.

When was 138 River Dr, Panacea, FL built?

138 River Dr, Panacea, FL was built in 1991, making it 35 years old. The building has 1 story.

What schools serve 138 River Dr, Panacea, FL?

138 River Dr, Panacea, FL is assigned to Medart Elementary School (elementary), rated A; Wakulla High School (high), rated B; Wakulla Middle School (middle), rated B-. All sit in Wakulla County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 138 River Dr, Panacea, FL compare to other homes in Panacea 32346?

Among the 1,912 homes in Panacea 32346, it is worth more than 65% of them ($626,420 against a typical $500,352), its price per square foot is higher than 60% of them ($388 against a typical $340), it is bigger than 67% of them (1,616 ft² against a typical 1,390 ft²), its lot is bigger than 55% of them (0.37 ac against a typical 0.34 ac) and it is newer than 66% of them (1991 against a typical 1983). Measured against all of Wakulla County, it is worth more than 95% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 138 River Dr, Panacea, FL?

The 2025 property tax bill for 138 River Dr, Panacea, FL was $4,744. The county assessed it at $382,380.

Closest homes

More homes in Panacea 32346

Assigned schools

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