10646 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10646 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Vacant Land
Details	3 bd · 2 ba
Lot Size	1.22 acres (53,448 sqft)
Owner	Individual Name on Record
Last Sale	$3,500 (Jun 2023)
Tax Bill	$725 (2025)
Deeds & Mortgages	Mar 2023 Sale Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`03805-501-000`

Property Details

APN / Parcel Number

Primary APN	`03805-501-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths

Exterior

Lot Area	53,448 sqft (1.22 acres)
Lot Dimensions	122 ft deep x 350 ft wide

Location & Zoning

Street Address	10646 S FORK LOOP
City	PANAMA CITY
State	FL
Zip	32404-4882
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	BC16
Legal Description	16 2S 12W -3.501- 201B BEG AT NE COR OF LOT 27 CREEK HOLLOW EST U# 3 NELY 471.33 TO A CURVE NWLY ALG CURVE FOR 28.58 NWLY 5.16 SWLY 364.95 NWLY 319.03 SWLY 121.22 TO N LI CREEK HOLLOW EST U# 3 SELY 350.89 TO POB TOG WITH EST ORB 4665 P 2144 *AND*
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW EST
Legal Lot Number	27
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	3
Census Block	3034
Census Tract	302

Owner

Source: Bay County records, 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	Individual Name on Record
Mailing Address	10541 S FORK LOOP, PANAMA CITY, FL 32404-4884
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC
Feb 17, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2023 · Amount on Record
Deed Sale	Jun 8, 2023 · Amount on Record
Deed Document Number	202335401
Deed Book / Page	4696 / 2295
Prior Transfer Date	Jun 1, 2023
Prior Transfer Doc	0046962295
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 9, 2023
Property Address	10646 S FORK LOOP, PANAMA CITY, FL 32404-4882
Document Number	0046652144
Book / Page	4665 / 2144
Instrument Date	Mar 9, 2023
Instrument	2023014381
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9903 N CAMPFLOWERS RD, YOUNGSTOWN, FL 32466-2745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10541 S FORK LOOP, PANAMA CITY, FL 32404-4884

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Feb 17, 2022
Property Address	10646 S FORK LOOP, PANAMA CITY, FL 32404-4882
Document Number	0045250504
Book / Page	4525 / 504
Instrument Date	Feb 17, 2022
Instrument	2022011719
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9903 N CAMPFLOWERS RD, YOUNGSTOWN, FL 32466-2745

Tax Assessment & Valuation

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	$725.00 (+10.18%)	$58,611 (+34.3%)	$58,612 (+34.3%) Land $58,611 Building $1
2024	$658.00 (+66.58%)
2023	$395.00 (+112.37%)	$43,642 (+170.85%) Land $43,641 Building $1	$43,642 (+170.85%) Land $43,641 Building $1
2022	$186.00	$16,113 Land $16,112 Building $1	$16,113 Land $16,112 Building $1

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

Flood

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	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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 111 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Fork Loop

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