Bay County property record for 10534 S Fork Loop, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft · built 2010 |
| Lot Size | 0.477 acres (20,778 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $22,500 (Feb 2010) |
| Tax Bill | $334 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-619-000 |
| Primary APN | 03811-619-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 20,778 sqft (0.477 acres) |
| Lot Dimensions | 272 ft deep x 47 ft wide |
| Deck Area | 48 sqft |
| Patio Area | 148 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10534 S FORK LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-4856 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | BC16 |
| Legal Description | CREEK HOLLOW EST UNIT #3 201B LOT 40 & TRIANGLE PART OF LOT 41 DESC AS BEG AT THE MOST ELY COR OF LOT 41 TH RUN S33 DEG W 296.15 TH N10 DEG E 47.21 TH N37 DEG E 253.18 TO POB ORB 3228 P 1125 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW EST |
| Legal Lot Number | 40,41 |
| Legal Unit | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 302 |
Source: Bay County records, as of February 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10534 S FORK LOOP, PANAMA CITY, FL 32404-4856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 26, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2010 · Amount on Record |
| Deed Sale | Feb 4, 2010 · Amount on Record |
| Prior Sale | Feb 3, 2006 · Amount on Record |
| Deed Document Number | 20105920 |
| Deed Book / Page | 3217 / 871 |
| Last Transfer Date | Jan 26, 2026 |
| Transfer Doc | 0049951444 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 26, 2026 |
| Property Address | 10534 S FORK LOOP, PANAMA CITY, FL 32404-4856 |
| Document Number | 0049951444 |
| Book / Page | 4995 / 1444 |
| Map Reference | MB 18 PG 35&36 |
| Instrument Date | Jan 26, 2026 |
| Instrument | 2026004604 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10534 S FORK LOOP, PANAMA CITY, FL 32404-4856 |
| Name | Verified Name |
|---|---|
| Address | 10534 S FORK LOOP, PANAMA CITY, FL 32404-4856 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10534 S FORK LOOP, PANAMA CITY, FL 32404-4856 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10534 S FORK LOOP, CALLAWAY, FL 32404-4856 |
| Document Number | 0044951842 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 4495/1842 |
| Instrument | 2021092740 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Sep 1, 2036 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $334.00 (-8.49%) Homeowner's exemption | $54,664 (+5.99%) | $55,304 (+6.33%) Land $23,101 Building $32,203 |
| 2024 | $365.00 (+1.11%) | ||
| 2023 | $361.00 (+9.73%) Homeowner's exemption | $51,576 (+3%) | $52,011 (+3.87%) Land $17,200 Building $34,811 |
| 2022 | $329.00 Homeowner's exemption | $50,074 Land $16,500 Building $33,574 | $50,074 Land $16,500 Building $33,574 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 60% of the US · lower than 65% 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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