The Coastal Communities
Wakulla County's coast includes communities such as Panacea, Shell Point, St. Marks, and areas around Ochlockonee Bay and Apalachee Bay. Properties range from modest fishing cottages to larger waterfront homes and lots. Many buyers want a boat, a view, or a second home within a drive of Tallahassee.
What to Check on a Waterfront Home
- Flood zone: look up the FEMA flood map for the exact address. It affects insurance and lending.
- Insurance: get wind and flood quotes before making an offer. Older homes may need extra inspections.
- Elevation: ask for an elevation certificate if one exists.
- Docks, seawalls, and shoreline: check permits, condition, and who owns and maintains them.
- Septic and well: common in the area, and important to inspect.
- Salt air and moisture: they affect roofs, metals, HVAC systems, and wood.
- Water access: confirm whether a boat can really get from the property to open water at different tides.
Second Homes and Rentals
Some buyers consider a coastal property as a rental. Rules for short-term rentals vary by location and can change, so check them before you buy, and talk with an accountant about the tax side. We can also discuss property management.
Start Your Search
Use our map search to see current listings, and tell us what you're looking for. We can also search the Tallahassee MLS for you.
Common Questions
Is waterfront more expensive to insure?
Often, yes. Quotes vary widely by elevation, age, and construction, so get them early.
Do I need flood insurance?
Lenders may require it in certain flood zones, and many owners carry it regardless. Ask an insurance agent about your property.
Can I build or repair a dock?
Rules and permits apply. Check with the relevant authorities before assuming anything.