Bay County property record for 10705 S Fork Loop, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,188 sqft · built 2002 |
| Lot Size | 0.555 acres (24,176 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $177,000 (Sep 2022) |
| Tax Bill | $1,856 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Dec 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-626-000 |
| Primary APN | 03811-626-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,188 sqft Heated Area |
| 1st Floor Area | 1,188 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 24,176 sqft (0.555 acres) |
| Lot Dimensions | 220 ft deep x 110 ft wide |
| Deck Area | 256 sqft |
| Patio Area | 256 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10705 S FORK LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-4883 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | BC16 |
| Legal Description | CREEK HOLLOW EST UNIT #3 LOT 64 ORB 4606 P 2007 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW ESTATE |
| Legal Lot Number | 64 |
| Legal Unit | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 302 |
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 |
|---|---|
| Mailing Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2025 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Dec 29, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 6, 2022 | Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| Sep 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2022 · Amount on Record |
| Deed Sale | Sep 6, 2022 · Amount on Record |
| Prior Sale | Sep 20, 2021 · Amount on Record |
| Deed Document Number | 2022065870 |
| Deed Book / Page | 4606 / 2007 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Document Number | 0049480618 |
|---|---|
| Date | Sep 2, 2025 |
| Book Page | 4948/618 |
| Instrument | 2025050098 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Document Number | 0047611722 |
|---|---|
| Date | Dec 29, 2023 |
| Book Page | 4761/1722 |
| Instrument | 2023080301 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | RECTORTOWN, VA 20140 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 6, 2022 |
| Property Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Document Number | 0046062007 |
| Book / Page | 4606 / 2007 |
| Map Reference | MB 18 PG 35&36 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 2022065870 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2022 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,239.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1487 W FITCHBURG RD, 1487, LESLIE, MI 49251-9700 |
| Name | Verified Name |
|---|---|
| Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Document Number | 0046062009 |
|---|---|
| Date | Sep 6, 2022 |
| Instrument | 4606/2009 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 20, 2021 |
| Property Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Document Number | 0044621138 |
| Book / Page | 4462 / 1138 |
| Map Reference | MB 18 PG 35&36 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 2021071752 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10705 S FORK LOOP, 10705, PANAMA CITY, FL 32404-4883 |
| Name | Verified Name |
|---|---|
| Address | 10705 S FORK LOOP, PANAMA CITY, FL 32404-4883 |
| Document Number | 44621140 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 4462/1140 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,856.00 (-2.42%) | $150,054 (+0.9%) Land $27,697 Building $122,357 | $150,054 (+0.9%) Land $27,697 Building $122,357 |
| 2023 | $1,902.00 (+31.81%) | $148,711 (+22.37%) Land $20,622 Building $128,089 | $148,711 (+22.37%) Land $20,622 Building $128,089 |
| 2022 | $1,443.00 | $121,521 Land $19,783 Building $101,738 | $121,521 Land $19,783 Building $101,738 |
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: 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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