Bay County property record for 10527 S Fork Loop, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,568 sqft · built 2019 |
| Lot Size | 0.569 acres (24,829 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $61,800 (Mar 2017) |
| Tax Bill | $548 (2025) |
| Deeds & Mortgages | Jun 2019 Construction Loan Apr 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-633-000 |
| Primary APN | 03811-633-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,568 sqft Heated Area |
| 1st Floor Area | 1,568 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 24,829 sqft (0.569 acres) |
| Lot Dimensions | 246 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Patio Area | 240 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10527 S FORK LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-4884 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | BC16 |
| Legal Description | CREEK HOLLOW EST UNIT #3 LOT 71 ORB 3886 P 572 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW ESTATE |
| Legal Lot Number | 71 |
| Legal Unit | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 302 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10527 S FORK LOOP, PANAMA CITY, FL 32404-4884 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2019 | Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK |
| Apr 24, 2020 | Loan Modification, Mortgage · Conventional Mortgage FIRST FED'L SVGS BK |
| Mar 28, 2017 | Grant Deed, Transfer · Conventional Mortgage FIRST FSB/FL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2017 · Amount on Record |
| Deed Sale | Mar 28, 2017 · Amount on Record |
| Prior Sale | Dec 12, 2008 · Amount on Record |
| Deed Document Number | 2017016993 |
| Deed Book / Page | 3886 / 0572 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10527 S FORK LOOP, PANAMA CITY, FL 32404-4884 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MASON TITLE & ESCROW COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0041362344 |
|---|---|
| Date | Jun 21, 2019 |
| Book Page | 4136/2344 |
| Instrument | 2019057946 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jul 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10527 S FORK LOOP, PANAMA CITY, FL 32404-4884 |
| Document Number | 0042452117 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 10527 S FORK LOOP CALLAWAY FL 324044884, CALLAWAY, FL 32404-4884 |
| Document Number | 0042452117 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 004245/002117 |
| Instrument | 27966 |
| Name | FIRST FED'L SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 23, 2050 |
| Rate | 4.25% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 28, 2017 |
| Property Address | 10527 S FORK LOOP, PANAMA CITY, FL 32404-4884 |
| Document Number | 0038860572 |
| Book / Page | 003886 / 000572 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 16993 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2017 |
| Title Company | MTI TITLE INSURANCE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $362.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10527 S FORK LOOP CALLAWAY FL 324044884, CALLAWAY, FL 32404-4884 |
| Document Number | 38860574 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 003886/000574 |
| Instrument | 16994 |
| Name | FIRST FSB/FL |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 27, 2032 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $548.00 (+1.67%) Homeowner's exemption Widower's exemption | $88,942 (+5.99%) | $90,031 (+5.1%) Land $25,897 Building $64,134 |
| 2023 | $539.00 (+0.75%) Homeowner's exemption Widower's exemption | $83,917 (+3%) | $85,664 (+5.14%) Land $19,282 Building $66,382 |
| 2022 | $535.00 Homeowner's exemption Widower's exemption | $81,473 Land $18,498 Building $62,975 | $81,473 Land $18,498 Building $62,975 |
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 81 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 81 in force |
| Nearby Flood Claims | 10 (2014–2021) |
| Most Recent Claim | Aug 2021 · Tropical Storm Fred |
| 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 | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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