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Single Family ResidenceResidential
$828,141$458 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $360,000 on Jun 2, 2011

232 BAY DRIVE

PANACEA, FL 32346
3
Beds
2
Baths
1,810 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$828K
$718K low$938K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$360,000 · Jun 2, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,043 (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.$546,508 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$212,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$334,008
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$550,269
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$546,508

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.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.92%
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
CountyFranklin
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.2011
Lot (acres)The size of the land the home sits on, from county records.0.20
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
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 · 88 ft²Porch · 966 ft²

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
Franklin County SchoolD-
Elementary · Grades PK–12 · 25.2 mi

District: Franklin 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%

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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

232 Bay Drive 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 80% of homes in Franklin County
  • Costs more per square foot than 77% of homes in Franklin County
  • Bigger than 78% of homes in Panacea 32346
  • Has a smaller lot than 76% of homes in Franklin 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
$98K$1.5M

This home is worth more than 79% 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$828,141
CheaperTypical $510,512Pricier

Pricier than 79% of homes nearby

Price per ft²$458
CheaperTypical $347Pricier

Pricier than 69% of homes nearby

Living area1,810 ft²
SmallerTypical 1,378 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.2 ac
SmallerTypical 0.34 acBigger

Bigger than 25% of homes nearby

Year built1983
OlderTypical 1983Newer

Newer than 51% of homes nearby

How 232 Bay Drive ranks against every home in each area.
MeasureThis homePanacea 32346Franklin County
Estimated valuepricier than$828,14179% of homes80% of homes
Price per ft²pricier than$45869% of homes77% of homes
Living areabigger than1,810 ft²78% of homes72% of homes
Lot sizebigger than0.2 ac25% of homes24% of homes
Year builtnewer than198351% of homes44% of homes

About 232 Bay Drive

How much is 232 Bay Drive, Panacea, FL worth?

The TopHap Estimate for 232 Bay Drive, Panacea, FL is $828,141 as of Sep 24, 2026. The likely range is $718,055 to $938,227. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 232 Bay Drive, Panacea, FL last sell?

232 Bay Drive, Panacea, FL last sold on Jun 2, 2011 for $360,000, according to the county's recorded deed.

How big is 232 Bay Drive, Panacea, FL?

232 Bay Drive, Panacea, FL has 3 bedrooms, 2 bathrooms, 1,810 square feet of living space and a 0.20-acre lot.

When was 232 Bay Drive, Panacea, FL built?

232 Bay Drive, Panacea, FL was built in 1983, making it 43 years old. The building has 2 stories.

What schools serve 232 Bay Drive, Panacea, FL?

232 Bay Drive, Panacea, FL is assigned to Franklin County School (elementary), rated D-. All sit in Franklin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 232 Bay Drive, Panacea, FL compare to other homes in Panacea 32346?

Among the 1,906 homes in Panacea 32346, it is worth more than 79% of them ($828,141 against a typical $510,512), its price per square foot is higher than 69% of them ($458 against a typical $347), it is bigger than 78% of them (1,810 ft² against a typical 1,378 ft²), its lot is bigger than 25% of them (0.2 ac against a typical 0.34 ac) and it is newer than 51% of them (1983 against a typical 1983). Measured against all of Franklin County, it is worth more than 80% 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 232 Bay Drive, Panacea, FL?

The 2025 property tax bill for 232 Bay Drive, Panacea, FL was $5,043. The county assessed it at $546,508.

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See this home in context

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