# Surf Rd lot: 78, Panacea, FL 32346

> **TL;DR:** land, $27,500. Est. $222/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $27,500 |
| Lot Size | 25,265 sqft (0.58 acres) |
| Property Type | Land (Other) |
| Status | Active |
| Days on Market | 0 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $139 |
| Estimated Insurance | $8 |
| HOA | $75 |
| **Total** | **$222** |

## Property Highlights

- 0.58 acre lot

## Description

### Agent Description
The Refuge at Panacea offers premier lots in a private, gated community with close proximity to Ochlockonee Bay. These spacious home sites provide an ideal setting to construct your coastal dream home surrounded by lush natural landscapes backing up to the St Marks Refuge. Residents enjoy convenient access to nearby beaches, marinas, and a variety of dining options showcasing the local flavor. Public sewer, water and underground utilities already on site! An opportunity not to be missed for those seeking a luxurious waterfront lifestyle in this highly desirable Florida location.

## Location

- **Address:** Surf Rd lot: 78, Panacea, FL 32346
- **Neighborhood:** Refuge At Panacea
- **Coordinates:** 30.0582941, -84.4741288
- **Google Maps:** https://www.google.com/maps?q=30.0582941,-84.4741288

## Virtual Tour & Media

- **Video Tour:** tour.usamls.net/Lot-78-Surf-Rd-Panacea-FL-32346/unbranded

## Listing Agent

- **Name:** Nailah Core
- **Brokerage:** Waypoint Properties
- **Broker Phone:** 850-926-9100
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/Surf-Rd-Lot-78_Panacea_FL_32346_M90423-44498?f=listhub&s=RAKSGCFL&m=324901&c=propsimple)

## Photos

![Surf Rd lot: 78 - Photo 1](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f2093236334r.jpg)

![Surf Rd lot: 78 - Photo 2](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1125314506r.jpg)

![Surf Rd lot: 78 - Photo 3](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f2955962679r.jpg)

![Surf Rd lot: 78 - Photo 4](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1125207972r.jpg)

![Surf Rd lot: 78 - Photo 5](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1272222785r.jpg)

![Surf Rd lot: 78 - Photo 6](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f4034321055r.jpg)

![Surf Rd lot: 78 - Photo 7](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1124152979r.jpg)

![Surf Rd lot: 78 - Photo 8](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3691994208r.jpg)

![Surf Rd lot: 78 - Photo 9](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f760631632r.jpg)

![Surf Rd lot: 78 - Photo 10](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3657665820r.jpg)

![Surf Rd lot: 78 - Photo 11](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f953539710r.jpg)

![Surf Rd lot: 78 - Photo 12](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3867830012r.jpg)

![Surf Rd lot: 78 - Photo 13](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f2475838594r.jpg)

![Surf Rd lot: 78 - Photo 14](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1075933332r.jpg)

![Surf Rd lot: 78 - Photo 15](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1094874804r.jpg)

![Surf Rd lot: 78 - Photo 16](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3623309194r.jpg)

![Surf Rd lot: 78 - Photo 17](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3493487876r.jpg)

![Surf Rd lot: 78 - Photo 18](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f806174370r.jpg)

![Surf Rd lot: 78 - Photo 19](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f4260014536r.jpg)

![Surf Rd lot: 78 - Photo 20](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f2437082567r.jpg)

![Surf Rd lot: 78 - Photo 21](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1623286155r.jpg)

![Surf Rd lot: 78 - Photo 22](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f678773398r.jpg)

![Surf Rd lot: 78 - Photo 23](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1976117421r.jpg)

![Surf Rd lot: 78 - Photo 24](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3329425416r.jpg)

![Surf Rd lot: 78 - Photo 25](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3314883433r.jpg)

![Surf Rd lot: 78 - Photo 26](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3481494507r.jpg)

![Surf Rd lot: 78 - Photo 27](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3178030456r.jpg)

![Surf Rd lot: 78 - Photo 28](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f1261343316r.jpg)

![Surf Rd lot: 78 - Photo 29](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3529430744r.jpg)

![Surf Rd lot: 78 - Photo 30](http://lh.rdcpix.com/b08805a1664eaa6c2513953c67c0ceedl-f3826652744r.jpg)

---

**MLS#:** 324901 | **Updated:** 2026-10-19
**Source:** listhub

*Copyright © 2026 Forgotten Coast Realtor Association. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/surf-rd-lot-78-panacea-fl-32346-edffd8a1c2724c0bb9ba4a31934e4cd9)

---

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