10602 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10602 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,016 sqft · built 2002
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$103,500 (May 2021)
Tax Bill	$717 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03811-616-000`

Property Details

APN / Parcel Number

Primary APN	`03811-616-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Heated Area
Gross Area	2,272 sqft
1st Floor Area	2,016 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	220 ft deep x 105 ft wide
Porch	Porch
Porch Area	256 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	10602 S FORK LOOP
City	PANAMA CITY
State	FL
Zip	32404-4882
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC16
Legal Description	CREEK HOLLOW EST UNIT #3 201B LOT 37 ORB 1549 P 1671
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW ESTATE
Legal Lot Number	37
Legal Unit	3
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	3
Census Block	3034
Census Tract	302

Owner

Source: Bay County records · APN 03811-616-000

Assessment roll updated July 1, 2025 · Last verified February 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 File
Mailing Address	10602 S FORK LOOP, PANAMA CITY, FL 32404-4882
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Oct 27, 2020 · Amount on Record
Deed Document Number	2021034857
Deed Book / Page	4403 / 1198
Record Updated	Jun 08, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 10, 2021
Property Address	10602 S FORK LOOP, PANAMA CITY, FL 32404-4882
Document Number	0044031198
Book / Page	4403 / 1198
Map Reference	MB 18 PG 35
Instrument Date	Apr 23, 2021
Instrument	2021034857
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	WHITWORTH TITLE GROUP, WHITWORTH TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$724.50
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7198, BRANDON, FL 33508-6020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 ETHLYN RD, PANAMA CITY, FL 32404-7213

Mortgage

Document Number	44031199
Date	May 10, 2021
Instrument	4403/1199

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$717.00 (-5.28%) Homeowner's exemption	$97,644 (+1.35%) Land $26,438 Building $71,206	$97,644 (+1.35%) Land $26,438 Building $71,206
2023	$757.00 (-31.18%) Homeowner's exemption	$96,345 (+4.94%) Land $19,685 Building $76,660	$96,345 (+4.94%) Land $19,685 Building $76,660
2022	$1,100.00	$91,807 Land $18,884 Building $72,923	$91,807 Land $18,884 Building $72,923

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Tropical Storm Fred, Aug 2021 · 4 claims

Wildfire

Wildfire Risk	Moderate above 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Based on FCC filings for 92 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	BAY COUNTY WATER SYSTEM serves 40,848 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.