10725 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10725 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,400 sqft · built 2006
Lot Size	0.517 acres (22,564 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Apr 2019)
Tax Bill	$427 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03811-588-000`

Property Details

APN / Parcel Number

Primary APN	`03811-588-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Heated Area
1st Floor Area	1,400 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,564 sqft (0.517 acres)
Lot Dimensions	215 ft deep x 105 ft wide
Garage Type	Carport
Carport	Carport
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	10725 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 #2 201B LOT 59 ORB 4016 P 1102
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW ESTATE
Legal Lot Number	59
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	3
Census Block	3037
Census Tract	302

Owner

10725 S Fork Loop, a mobile home, is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	10725 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

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 26, 2019	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
May 25, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2019 · Amount on File
Deed Sale	Apr 26, 2019 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Document Number	2019041474
Deed Book / Page	4116 / 1102
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	10725 S FORK LOOP, PANAMA CITY, FL 32404-4883
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10725 S FORK LOOP, PANAMA CITY, FL 32404-4883

Mortgage

Document Number	0044851185
Date	Nov 12, 2021
Book Page	4485/1185
Instrument	2021086526

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Apr 26, 2019
Property Address	10725 S FORK LOOP, PANAMA CITY, FL 32404-4883
Document Number	0041161102
Book / Page	004116 / 001102
Instrument Date	Apr 25, 2019
Instrument	41474
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10725 S FORK LOOP PANAMA CITY FL 324044883, PANAMA CITY, FL 32404-4883

Mortgage

Document Number	41161104
Date	Apr 26, 2019
Book Page	004116/001104
Instrument	41475

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2049

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BAY FL
Recording Date	May 25, 2018
Property Address	10725 S FORK LOOP, PANAMA CITY, FL 32404-4883
Document Number	0040111791
Book / Page	004011 / 001791
Instrument Date	May 25, 2018
Instrument	31012
Transaction Type	Foreclosure
Record Updated	Jun 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10725 S FORK LOOP CALLAWAY FL 324044883, CALLAWAY, FL 32404-4883

Tax Assessment & Valuation

The 2025 property tax bill for 10725 S Fork Loop was $427 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	$427.00 Homeowner's exemption	$72,188	$76,050 Land $26,195 Building $49,855
2023	$477.00 (+8.66%) Homeowner's exemption	$72,753 (+3.6%) Land $19,504 Building $53,249	$72,753 (+3.6%) Land $19,504 Building $53,249
2022	$439.00 Homeowner's exemption	$70,222 Land $18,711 Building $51,511	$70,222 Land $18,711 Building $51,511

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

Flood

FEMA maps place 10725 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 10725 S Fork Loop is moderate, ranking above 57% 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 57% of the US · lower than 70% 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Fork Loop

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