10538 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10538 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,512 sqft · built 2002
Lot Size	0.455 acres (19,819 sqft)
Owner	2 Trust Names on File
Last Sale	$75,000 (May 2005)
Tax Bill	$230 (2025)
Deeds & Mortgages	Mar 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03811-618-000`

Property Details

APN / Parcel Number

Primary APN	`03811-618-000`

Interior

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

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	19,819 sqft (0.455 acres)
Lot Dimensions	235 ft deep x 51 ft wide
Garage Type	Carport
Carport	Carport
Porch	Screened/Unfinished Porch
Porch Area	168 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10538 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 39 ORB 1549 P 1671 ORB 2193 P 1253 ORB 2202 P 1426 ORB 2375 P 1443 ORB 2397 P 448 ORB 2429 P 1395 ORB 2603 P 701
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW EST
Legal Lot Number	39
Legal Unit	3
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	3
Census Block	3034
Census Tract	302

Owner

10538 S Fork Loop, a mobile home, is owner-occupied and held in a trust since March 2026.

Source: Bay County records, as of March 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10538 S FORK LOOP, PANAMA CITY, FL 32404-4856
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2005 · Amount on File
Deed Sale	May 4, 2005 · Amount on File
Prior Sale	Apr 23, 2004 · Amount on File
Deed Document Number	200534401
Deed Book / Page	2603 / 701
Last Transfer Date	Mar 5, 2026
Transfer Doc	0050101747
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Mar 9, 2026
Property Address	10538 S FORK LOOP, PANAMA CITY, FL 32404-4856
Document Number	0050101747
Book / Page	5010 / 1747
Map Reference	MB 18 PG 35
Instrument Date	Mar 5, 2026
Instrument	2026014263
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10538 S FORK LOOP, PANAMA CITY, FL 32404-4856

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10538 S FORK LOOP, PANAMA CITY, FL 32404-4856

Tax Assessment & Valuation

The 2025 property tax bill for 10538 S Fork Loop was $230 with a homeowner's exemption, down 9.4% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$230.00 (-9.45%) Homeowner's exemption	$43,598	$48,422 Land $24,902 Building $23,520
2024	$254.00 (+56.79%)
2023	$162.00 (+15.71%) Homeowner's exemption	$34,754 (+3%)	$36,338 (+7.69%) Land $18,541 Building $17,797
2022	$140.00 Homeowner's exemption	$33,742 Land $17,787 Building $15,955	$33,742 Land $17,787 Building $15,955

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 10538 S Fork Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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	Tropical Storm Fred, Aug 2021 · 4 claims

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.

Wildfire

Wildfire risk around 10538 S Fork Loop is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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