Bay County property record for 10814 S Fork Loop, Panama City, FL 32404
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 2 ba · 2,387 sqft · built 2001 |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | Owner Name on File |
| Last Sale | $26,600 (Jul 2012) |
| Tax Bill | $294 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-565-000 |
| Primary APN | 03811-565-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,387 sqft |
| 1st Floor Area | 2,387 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Vinyl |
| Lot Area | 21,998 sqft (0.505 acres) |
| Lot Dimensions | 220 ft deep x 100 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10814 S FORK LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-4887 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | BC16 |
| Legal Description | CREEK HOLLOW EST UNIT #2 LOT 15 ORB 3423 P 1473 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW ESTATE |
| Legal Lot Number | 15 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 302 |
The current owner of 10814 S Fork Loop bought it in July 2012.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 6814 ADAMS RD, PANAMA CITY, FL 32404-4531 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2012 · Amount on File |
| Deed Sale | Jul 9, 2012 · Amount on File |
| Prior Sale | Apr 28, 2011 |
| Deed Document Number | 2012036771 |
| Deed Book / Page | 3423 / 1473 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 10814 S Fork Loop was $294.
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 | $294.00 | $25,179 Land $25,179 | $25,179 Land $25,179 |
| 2023 | $246.00 (+12.84%) | $19,708 (+4.03%) Land $18,748 Building $960 | $19,708 (+4.03%) Land $18,748 Building $960 |
| 2022 | $218.00 | $18,945 Land $17,985 Building $960 | $18,945 Land $17,985 Building $960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10814 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 |
|
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 risk around 10814 S Fork Loop is moderate, ranking above 60% 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 60% of the US · lower than 65% 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: 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 |
| 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.
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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