10738 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10738 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,404 sqft · built 2005
Lot Size	0.458 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$202,000 (May 2024)
Tax Bill	$1,619 (2025)
Deeds & Mortgages	Aug 2023 Sale Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03811-570-000`

Property Details

APN / Parcel Number

Primary APN	`03811-570-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Heated Area
1st Floor Area	1,404 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	19,994 sqft (0.458 acres)
Lot Dimensions	177 ft deep x 109 ft wide
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	10738 S FORK LOOP
City	PANAMA CITY
State	FL
Zip	32404-4888
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC16
Legal Description	CREEK HOLLOW EST UNIT #2 201B LOT 20 ORB 4803 P 1377
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW ESTATE
Legal Lot Number	20
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	3
Census Block	3034
Census Tract	302

Owner

Source: Bay County records, as of January 23, 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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10738 S FORK LOOP, PANAMA CITY, FL 32404-4888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Warranty Deed, Transfer OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC
Jul 21, 2017	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 28, 2021	Special Warranty Deed, Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2024 · Amount on Record
Deed Sale	May 21, 2024 · Amount on Record
Prior Sale	Aug 10, 2023 · Amount on Record
Deed Document Number	2024029393
Deed Book / Page	4803 / 1377
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 10, 2023
Property Address	10738 S FORK LOOP, PANAMA CITY, FL 32404-4888
Document Number	0047190560
Book / Page	4719 / 560
Map Reference	MB 17 PG 49&50
Instrument Date	Aug 10, 2023
Instrument	2023050581
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$581.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 483, LYNN HAVEN, FL 32444-0483

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	10738 S FORK LOOP, PANAMA CITY, FL 32404-4888
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039192146
Date	Jul 21, 2017
Book Page	3919/2146
Instrument	2017040943

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	272 Months
Due	Mar 1, 2040

May 2021: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 28, 2021
Property Address	10738 S FORK LOOP, PANAMA CITY, FL 32404-4888
Document Number	0044121791
Book / Page	4412 / 1791
Map Reference	MB 17 PG 49
Instrument Date	May 26, 2021
Instrument	2021040674
Transaction Type	Foreclosure
Record Updated	Jul 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 S DOUGLASS RD STE 200, 1600, ANAHEIM, CA 92806-5951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD STE 110, 110, OKLAHOMA CITY, OK 73106-6100
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$1,619.00 (+180.1%) Homeowner's exemption	$170,505 (+290.91%) Land $27,651 Building $142,854	$170,505 (+290.91%) Land $27,651 Building $142,854
2024	$578.00 (+9.26%)	$43,617 (+11.64%) Land $25,137 Building $18,480	$43,617 (+11.64%) Land $25,137 Building $18,480
2023	$529.00 (+8.18%)	$39,068 (+0.42%) Land $20,588 Building $18,480	$39,068 (+0.42%) Land $20,588 Building $18,480
2022	$489.00	$38,906 Land $19,750 Building $19,156	$38,906 Land $19,750 Building $19,156

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 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 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	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 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures