10713 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10713 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,040 sqft · built 2005
Lot Size	1.75 acres (76,230 sqft)
Owner	Individual Name on File
Last Sale	$248,000 (May 2024)
Tax Bill	$2,066 (2025)
Deeds & Mortgages	Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03811-624-000`

Property Details

APN / Parcel Number

Primary APN	`03811-624-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,040 sqft Heated Area
1st Floor Area	2,040 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	76,230 sqft (1.75 acres)
Lot Dimensions	216 ft deep x 241 ft wide
Deck Area	192 sqft
Patio Area	384 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	10713 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 201B LOTS 62 & 63 ORB 4805 P 583
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW ESTATE
Legal Lot Number	62,63 63
Legal Unit	3
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	3
Census Block	3037
Census Tract	302

Owner

10713 S Fork Loop, a mobile home, is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	10713 S FORK LOOP, PANAMA CITY, FL 32404-4883
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	May 24, 2024 · Amount on File
Deed Sale	May 24, 2024 · Amount on File
Prior Sale	Jul 24, 2014 · Amount on File
Deed Document Number	0004805583
Deed Book / Page	4805 / 583
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	10713 S FORK LOOP, PANAMA CITY, FL 32404-4883
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10713 S FORK LOOP, PANAMA CITY, FL 32404-4883

Mortgage

Document Number	0047502026
Date	Nov 21, 2023
Book Page	4750/2026
Instrument	2023072823

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 10713 S Fork Loop was $2,066 with a homeowner's exemption.

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	$2,066.00 Homeowner's exemption	$206,648 Land $70,174 Building $136,474	$206,648 Land $70,174 Building $136,474
2023	$604.00 (+7.86%) Homeowner's exemption	$84,150 (+1.16%) Land $52,249 Building $31,901	$84,150 (+1.16%) Land $52,249 Building $31,901
2022	$560.00 Homeowner's exemption	$83,189 Land $50,123 Building $33,066	$83,189 Land $50,123 Building $33,066

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 10713 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 10713 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