10819 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10819 S Fork Loop, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,356 sqft · built 2003
Lot Size	0.586 acres (25,526 sqft)
Owner	2 Individual Names on File
Last Sale	$15,000 (Nov 2003)
Tax Bill	$316 (2025)
Deeds & Mortgages	Sep 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`03811-575-000`

Property Details

APN / Parcel Number

Primary APN	`03811-575-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,356 sqft Living Area
1st Floor Area	2,356 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Mobile Home
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,526 sqft (0.586 acres)
Lot Dimensions	242 ft deep x 117 ft wide
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10819 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 46 ORB 1549 P 1671 ORB 2363 P 2391 ORB 3065 P 2306
Legal Range	12W
Legal Township	02S
Legal Section	16
Legal Subdivision	CREEK HOLLOW EST
Legal Lot Number	46
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 October 13, 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	2 Individual Names on File
Mailing Address	10819 S FORK LOOP, PANAMA CITY, FL 32404-4877
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2003 · Amount on File
Deed Sale	Nov 13, 2003 · Amount on File
Deed Document Number	200384245
Deed Book / Page	2363 / 2391
Last Transfer Date	Sep 17, 2026
Transfer Doc	0000057935
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 17, 2026
Property Address	10819 S FORK LOOP, PANAMA CITY, FL 32404-4877
Document Number	0000057935
Book / Page	5079 / 2228
Instrument Date	Sep 17, 2026
Instrument	202657935
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate

Tax Assessment & Valuation

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	$316.00 (+2.93%) Homeowner's exemption Disabled Person's exemption	$55,514 (+5.99%)	$60,927 (+16.32%) Land $25,641 Building $35,286
2024	$307.00 (+1.32%)
2023	$303.00 (+657.5%) Homeowner's exemption Disabled Person's exemption	$52,378 (+131.8%) Land $19,092 Building $33,286	$52,378 (+116.78%) Land $19,092 Building $33,286
2022	$40.00 Homeowner's exemption	$22,596	$24,162 Land $18,315 Building $5,847

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

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 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

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