Bay County property record for 101 Cape Cod Dr, Panama City Beach, FL 32407
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 3 ba · 1,400 sqft · built 2006 |
| Lot Size | 0.009 acres (400 sqft) |
| Owner | Company Name on Record |
| Last Sale | $190,000 (Feb 2021) |
| Tax Bill | $2,554 (2025) |
| Deeds & Mortgages | Feb 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 40000-100-001 |
| Primary APN | 40000-100-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Condo/Apartment |
| Lot Area | 400 sqft (0.009 acres) |
| View / Lot | Road |
| Garage Type | Open |
| Street Address | 101 CAPE COD DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32407-2875 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | BP |
| Legal Description | NAUTILUS COVE CONDO PHASE 1 UNIT 101 ORB 2971 P 1413 1ST FLOOR 4BR/3BA ORB 4368 P 396 1400 SQ.FT. |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 21 |
| Legal Subdivision | NAUTILUS COVE CONDO PHASE 1 |
| Legal Phase | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 2703 |
Source: Bay County records, as of June 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 431 PAMELA CIR, HINSDALE, IL 60521-4556 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2021 · Amount on Record |
| Deed Sale | Feb 26, 2021 · Amount on Record |
| Prior Sale | Oct 22, 2013 |
| Deed Document Number | 202113673 |
| Deed Book / Page | 4368 / 396 |
| Prior Transfer Date | Aug 28, 2007 |
| Prior Transfer Doc | 0029711016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 26, 2021 |
| Property Address | 101 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2875 |
| Document Number | 0043680396 |
| Book / Page | 4368 / 396 |
| Map Reference | MB 2832 PG 523 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 2021013673 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31778 LILAC SKY LN, 31778, MURRIETA, CA 92563-3340 |
| Name | Verified Name |
|---|---|
| Address | 431 PAMELA CIR, HINSDALE, IL 60521-4556 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City Beach |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,554.00 (-8.49%) | $220,614 (-8.93%) | $248,200 (+2.46%) Building $248,200 |
| 2024 | $2,791.00 (+2.84%) | ||
| 2023 | $2,714.00 (+34.96%) | $242,250 (+46.15%) Building $242,250 | $242,250 (+46.15%) Building $242,250 |
| 2022 | $2,011.00 | $165,750 Building $165,750 | $165,750 Building $165,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 175 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 175 in force |
| Nearby Flood Claims | 65 (1978–2022) |
| Claims Outside the SFHA | 47 of 65 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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