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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.

Highlights

  • Land
  • 0.43 Acre Lot
  • $75/yr HOA
  • 679 days on Market


  • Acres
    0.43
  • View
    Bay
  • Utilities
    Underground Utilities

  • Area
    Other Counties
  • County
    Franklin
  • City
    Panacea
  • Neighborhood
    Refuge at Panacea
  • Zip Code
    32346

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Frequently Asked Questions

How do I schedule a tour of 20 Surf Rd #LOT?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 20 Surf Rd #LOT.

They know lands in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 20 Surf Rd #LOT?

Click Ask a Question to talk with our team. You already know it is a N/A bed, N/A bath, listed for $49,500. We can talk through recent upgrades, potential seller motivation, how this land compares to others in Panacea, and can even get you in to see the property quickly.

How do I get a virtual tour of 20 Surf Rd #LOT?

Yes! A virtual tour is available for 20 Surf Rd #LOT. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 20 Surf Rd #LOT?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 20 Surf Rd #LOT at around $282. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 20 Surf Rd #LOT?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Franklin County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 20 Surf Rd #LOT?

In most cases, yes. Whether 20 Surf Rd #LOT is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Panacea's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 20 Surf Rd #LOT?

We can handle that for you. Our preferred local agent specializes in lands in Panacea and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

How long has this property been on the market?

20 Surf Rd #LOT was listed on December 30, 2024, which means it's been on the market for 679 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

What is the lot size of this property?

20 Surf Rd #LOT sits on a 0.43-acre lot, which is 18,731 square feet.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $75 paid annually.

Is 20 Surf Rd #LOT still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Property information provided by the RAFGC MLS – a service of the REALTOR® Association of Franklin & Gulf Counties, Inc. ©2026