10610 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10610 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,976 sqft · built 2002
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03811-614-000`

Property Details

APN / Parcel Number

Primary APN	`03811-614-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,976 sqft Heated Area
Gross Area	2,136 sqft
1st Floor Area	1,976 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	210 ft deep x 110 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	160 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	10610 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 35 ORB 4557 P 2131
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW ESTATE
Legal Lot Number	35
Legal Unit	3
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	3
Census Block	3034
Census Tract	302

Owner

10610 S Fork Loop, a mobile home, is owned and occupied by two individuals who acquired it in April 2022.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10610 S FORK LOOP, PANAMA CITY, FL 32404-4882
Occupancy	Owner Occupied
Owner Type	Individual

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	Name on Deed
Last Sale	Apr 29, 2022
Deed Sale	Apr 29, 2022
Prior Sale	Sep 25, 2002 · Amount on File
Deed Document Number	0045572131
Deed Book / Page	3681 / 0443
Prior Transfer Date	Mar 9, 2015
Prior Transfer Doc	2015013222
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	10610 S FORK LOOP, PANAMA CITY, FL 32404-4882
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10610 S FORK LOOP, PANAMA CITY, FL 32404-4882

Mortgage

Document Number	0046012300
Date	Aug 24, 2022
Book Page	4601/2300
Instrument	2022062647

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2042

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$53,579	$57,407 Land $27,443 Building $29,964
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$31,699	$32,736 Land $20,433 Building $12,303

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

Flood

FEMA maps place 10610 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 10610 S Fork Loop is moderate, ranking above 58% 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 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.

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