107 Cape Cod Dr, Panama City Beach, FL 32407 Property Records

Bay County property record for 107 Cape Cod Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 1,430 sqft · built 2006
Owner	Individual Name on Record
Last Sale	$182,000 (Sep 2007)
Tax Bill	$2,258 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40000-100-007`

Property Details

APN / Parcel Number

Primary APN	`40000-100-007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,430 sqft Heated Area

Exterior

Year Built	Built 2006

Location & Zoning

Street Address	107 CAPE COD DR
City	PANAMA CITY BEACH
State	FL
Zip	32407-2875
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	NAUTILUS COVE CONDO PHASE 1 UNIT 107 ORB 2971 P 2359
Legal Range	16W
Legal Township	03S
Legal Section	21
Legal Subdivision	NAUTILUS COVE PH 01
Legal Phase	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1031
Census Tract	2703

Owner

Source: Bay County records, as of January 23, 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
Co-owner	Co-owner on Record
Mailing Address	5002 22ND AVE, PHENIX CITY, AL 36867-1504
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2007 · Amount on Record
Deed Sale	Sep 10, 2007 · Amount on Record
Deed Document Number	2007-061898
Deed Book / Page	2971 / 2359
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	107 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2875
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5002 22ND AVE, PHENIX CITY, AL 36867-1504

Mortgage

Document Number	0044682346
Date	Oct 5, 2021
Book Page	4468/2346
Instrument	2021076000

Lender

Name	RENASANT BANK
Type	Bank
Address	TUPELO, MS 38802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City Beach
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,258.00 (-12.99%)	$212,415 (-7.87%) Building $212,415	$212,415 (-7.87%) Building $212,415
2023	$2,595.00 (+23.93%)	$230,563 (+19.49%) Building $230,563	$230,563 (+19.49%) Building $230,563
2022	$2,094.00	$192,950 Building $192,950	$192,950 Building $192,950

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 175 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	175 in force
Nearby Flood Claims	65 (1978–2022)
Claims Outside the SFHA	47 of 65
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Hurricane Georges, Sep 1998 · 6 claims Hurricane Opal, Oct 1995 · 35 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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach

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	CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Apr 2025
Lead	4 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	1 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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20