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10901 S Fork Loop, Panama City, FL 32404 Property Records

Bay County property record for 10901 S Fork Loop, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,460 sqft · built 2006
Lot Size0.752 acres (32,757 sqft)
Owner2 Individual Names on Record
Last Sale$156,000 (Jun 2018)
Tax Bill$1,051 (2025)
Deeds & MortgagesJun 2018 Sale
Jun 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN03811-577-000

Property Details

APN / Parcel Number

Primary APN03811-577-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,460 sqft Living Area
1st Floor Area1,460 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2016
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialOther
Lot Area32,757 sqft (0.752 acres)
Lot Dimensions273 ft deep x 147 ft wide
PorchOpen Porch
Porch Area20 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address10901 S FORK LOOP
CityPANAMA CITY
StateFL
Zip32404-4857
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBC16
Legal DescriptionCREEK HOLLOW EST UNIT #2 LOT 48 ORB 4017 P 1340
Legal Range12W
Legal Township02S
Legal Section16
Legal SubdivisionCREEK HOLLOW EST
Legal Lot Number48
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionYOUNGSTOWN
Census Block Group3
Census Block3034
Census Tract302

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address10901 S FORK LOOP, PANAMA CITY, FL 32404-4857
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 13, 2018Warranty Deed, Transfer
CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC
Jun 11, 2018Deed of Trust, Mortgage · FHA Mortgage
WATERSTONE MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 13, 2018 · Amount on Record
Deed SaleJun 13, 2018 · Amount on Record
Prior SaleApr 1, 2011 · Amount on Record
Deed Document Number201834980
Deed Book / Page4017 / 1340
Prior Transfer DateMay 31, 2006
Prior Transfer Doc0027861821
Record UpdatedJun 8, 2026

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 13, 2018
Property Address10901 S FORK LOOP, PANAMA CITY, FL 32404-4857
Document Number0040171340
Book / Page004017 / 001340
Instrument DateJun 11, 2018
Instrument34980
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyCORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

AmountAmount Recorded
Tax$1,092.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1225 E HIGHWAY 388 PANAMA CITY FL 324094406, PANAMA CITY, FL 32409-4406

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address10901 S FORK LOOP, PANAMA CITY, FL 32404-4857
Document Number0040171342
Instrument DateJun 11, 2018
Transaction TypeMortgage
Record UpdatedNov 21, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10901 S FORK LOOP CALLAWAY FL 324044857, CALLAWAY, FL 32404-4857

Mortgage

Document Number0040171342
DateJun 13, 2018
Book Page004017/001342
Instrument34981
Lender
NameWATERSTONE MTG
TypeMortgage Company
AddressPEWAUKEE, WI 53072
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 12, 2048

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$1,051.00 Homeowner's exemption$124,631 (+5.99%)$163,268 (+25.26%) Land $28,191 Building $135,077
2024$1,051.00 (+2.74%)
2023$1,023.00 (+11.44%) Homeowner's exemption$117,591 (+3%)$130,341 (+8.41%) Land $20,990 Building $109,351
2022$918.00 Homeowner's exemption$114,166$120,228 Land $20,136 Building $100,092

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 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.

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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