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10737 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10737 S Fork Loop, Panama City, FL 32404

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,890 sqft · built 2002
Lot Size0.606 acres (26,397 sqft)
OwnerIndividual Name on Record
Last Sale$189,000 (Aug 2022)
Tax Bill$2,067 (2025)
Deeds & MortgagesJul 2026 Mortgage
Aug 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN03811-572-000

Property Details

APN / Parcel Number

Primary APN03811-572-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,890 sqft Living Area
1st Floor Area1,890 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2022
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialOther
Lot Area26,397 sqft (0.606 acres)
Lot Dimensions220 ft deep x 120 ft wide
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address10737 S FORK LOOP
CityPANAMA CITY
StateFL
Zip32404-4889
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeBC16
Legal DescriptionCREEK HOLLOW EST UNIT #2 201B LOT 43 ORB 4601 P 596
Legal Range12W
Legal Township02S
Legal Section16
Legal SubdivisionCREEK HOLLOW EST
Legal Lot Number43
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionYOUNGSTOWN
Census Block Group3
Census Block3034
Census Tract302

Owner

Source: Bay County records, as of August 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address10737 S FORK LOOP, PANAMA CITY, FL 32404-4889
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2026Deed of Trust, Mortgage · FHA Mortgage
MORTGAGE CONNECT
Aug 17, 2022Warranty Deed, Transfer · FHA Mortgage
GUARANTEED RATE INC
Aug 22, 2022Correction Deed
SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY
Aug 3, 2018Warranty Deed, Transfer
ACHIEVE TITLE SERVICES INC
Jun 12, 2017Trustee's Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 17, 2022 · Amount on Record
Deed SaleAug 17, 2022 · Amount on Record
Prior SaleAug 3, 2018 · Amount on Record
Deed Document Number202261293
Deed Book / Page4600 / 497
Prior Transfer DateAug 12, 2022
Prior Transfer Doc0046010596
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Recording DateJul 20, 2026
Property Address10737 S FORK LOOP, PANAMA CITY, FL 32404-4889
Document Number0000043938
Book / Page5058 / 763
Instrument DateMay 8, 2026
Instrument202643938
Transaction TypeMortgage
Record UpdatedAug 14, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000043938,
DateJul 20, 2026
Book Page5058/763
Instrument202643938
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term478 Months
DueMay 1, 2066
Interest
Rate6.37%
Max Rate-1%

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 17, 2022
Property Address10737 S FORK LOOP, PANAMA CITY, FL 32404-4889
Document Number0046000497
Book / Page4600 / 497
Map ReferenceMB 17 PG 49
Instrument DateAug 12, 2022
Instrument2022061293
Transaction TypeTransfer
Record UpdatedSep 9, 2022
Title CompanySOUTH OAK TITLE PANAMA CITY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,323.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 483, LYNN HAVEN, FL 32444-0483

Transferred To (Grantee/Buyer)

NameVerified Name
Address10737 S FORK LOOP, PANAMA CITY, FL 32404-4889

Mortgage

Document Number0004600499
DateAug 17, 2022
Instrument4600/499
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

Mortgage

Document Number0046000522
DateAug 17, 2022
Book Page4600/522
Instrument2022061295
Lender
NameBAY COUNTY BOARD OF COUNTY COMMISSIONERS
TypeGovernment Agency
AddressPANAMA CITY, FL 32401
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

August 2022: Correction Deed

Document TypeCorrection Deed
JurisdictionBAY FL
Recording DateAug 22, 2022
Property Address10737 S FORK LOOP, PANAMA CITY, FL 32404-4889
Document Number0046010596
Book / Page4601 / 596
Map ReferenceMB 17 PG 49
Instrument DateAug 12, 2022
Instrument2022062062
Record UpdatedSep 9, 2022
Title CompanySOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 483, LYNN HAVEN, FL 32444-0483

Transferred To (Grantee/Buyer)

NameVerified Name
Address10737 S FORK LOOP, PANAMA CITY, FL 32404-4889

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 3, 2018
Property Address10737 S FORK LOOP, PANAMA CITY, FL 32404-4889
Document Number0040350409
Book / Page004035 / 000409
Instrument DateJul 30, 2018
Instrument46827
Transaction TypeTransfer
Record UpdatedAug 27, 2018
Title CompanyACHIEVE TITLE SERVICES INC

Transaction

AmountAmount Recorded
Tax$315.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5012 TOMMY SMITH DR PANAMA CITY FL 324043037, PANAMA CITY, FL 32404-3037

June 2017: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionBAY FL
Recording DateJun 12, 2017
Property Address10737 S FORK LOOP, PANAMA CITY, FL 32404-4889
Document Number0039081414
Book / Page003908 / 001414
Instrument DateJun 12, 2017
Instrument33124
Transaction TypeTransfer
Record UpdatedSep 8, 2017

Transaction

AmountAmount Recorded
Tax$161.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1406 N DALE MABRY HWY TAMPA FL 336072506, TAMPA, FL 33607-2506
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,067.00 (+0.88%)$167,055 (+2.65%) Land $30,215 Building $136,840$167,055 (+2.65%) Land $30,215 Building $136,840
2024$2,049.00 (+1.69%)$162,743 (+3.15%) Land $27,468 Building $135,275$162,743 (+3.15%) Land $27,468 Building $135,275
2023$2,015.00 (+403.75%)$157,772 (+405.15%) Land $22,497 Building $135,275$157,772 (+405.15%) Land $22,497 Building $135,275
2022$400.00$31,233 Land $21,582 Building $9,651$31,233 Land $21,582 Building $9,651

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 81 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies81 in force
Nearby Flood Claims10 (2014–2021)
Most Recent ClaimAug 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 RiskModerate
above 60% of the US · lower than 65% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemBAY COUNTY WATER SYSTEM
serves 40,848 people · EPA ID FL1030050
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

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

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