10815 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10815 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,080 sqft · built 2004
Lot Size	0.519 acres (22,607 sqft)
Owner	Individual Name on File
Last Sale	$20,000 (Nov 2019)
Tax Bill	$564 (2025)
Deeds & Mortgages	Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`03811-574-000`

Property Details

APN / Parcel Number

Primary APN	`03811-574-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,607 sqft (0.519 acres)
Lot Dimensions	201 ft deep x 109 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	459 sqft
Deck Area	243 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10815 S FORK LOOP
City	PANAMA CITY
State	FL
Zip	32404-4877
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC16
Legal Description	CREEK HOLLOW EST UNIT #2 201B LOT 45 ORB 4187 P 567
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW EST
Legal Lot Number	45
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	3
Census Block	3034
Census Tract	302

Owner

10815 S Fork Loop, a mobile home, is owned by an individual who acquired it in September 2025.

Source: Bay County records, as of January 5, 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 File
Mailing Address	10541 S FORK LOOP, PANAMA CITY, FL 32404-4884
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2019 · Amount on File
Deed Sale	Nov 4, 2019 · Amount on File
Prior Sale	Jul 15, 2013 · Amount on File
Deed Document Number	201995973
Deed Book / Page	4187 / 567
Last Transfer Date	Sep 14, 2025
Transfer Doc	0000057241
Record Updated	Sep 20, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 4, 2019
Property Address	10815 S FORK LOOP, PANAMA CITY, FL 32404-4877
Document Number	0041870567
Book / Page	004187 / 000567
Instrument Date	Nov 1, 2019
Instrument	95973
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40541 S FORK LOOP PANAMA CITY FL 32404, PANAMA CITY, FL 32404

Tax Assessment & Valuation

The 2025 property tax bill for 10815 S Fork Loop was $564, up 1.6% from the year before.

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

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	$564.00 (+1.62%)	$43,908	$47,790 Land $28,441 Building $19,349
2024	$555.00 (+12.35%)
2023	$494.00 (+14.09%)	$36,287 (+6.4%) Land $21,176 Building $15,111	$36,287 (+6.4%) Land $21,176 Building $15,111
2022	$433.00	$34,103 Land $20,314 Building $13,789	$34,103 Land $20,314 Building $13,789

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

Flood

FEMA maps place 10815 S Fork Loop in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2014.

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
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 10815 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.

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