Bay County property record for 10609 S Fork Loop, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 2,280 sqft · built 2004 |
| Lot Size | 0.752 acres (32,757 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $105,793 (Nov 2016) |
| Tax Bill | $610 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-630-000 |
| Primary APN | 03811-630-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,280 sqft Living Area |
| 1st Floor Area | 2,280 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 32,757 sqft (0.752 acres) |
| Lot Dimensions | 298 ft deep x 110 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 344 sqft |
| Deck Area | Deck Area |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10609 S FORK LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-4890 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | BC16 |
| Legal Description | CREEK HOLLOW EST UNIT #3 LOT 68 ORB 4800 P 236 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW EST |
| Legal Lot Number | 68 |
| Legal Unit | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 302 |
Source: Bay County assessment roll, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 10609 S FORK LOOP, PANAMA CITY, FL 32404-4890 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 2016 · Amount on Record |
| Deed Sale | Nov 29, 2016 · Amount on Record |
| Prior Sale | Nov 1, 2016 · Amount on Record |
| Deed Document Number | 201665772 |
| Deed Book / Page | 3853 / 554 |
| Prior Transfer Date | Jul 12, 2016 |
| Prior Transfer Doc | 0038370969 |
| Record Updated | Sep 20, 2026 |
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 | $610.00 (-45.14%) Homeowner's exemption | $88,980 (+3.3%) Land $28,967 Building $60,013 | $88,980 (+3.3%) Land $28,967 Building $60,013 |
| 2024 | $1,112.00 (-0.54%) | ||
| 2023 | $1,118.00 (+11.13%) | $86,140 (+2.95%) Land $21,568 Building $64,572 | $86,140 (+2.95%) Land $21,568 Building $64,572 |
| 2022 | $1,006.00 | $83,670 Land $20,691 Building $62,979 | $83,670 Land $20,691 Building $62,979 |
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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