Bay County property record for 10902 S Fork Loop, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,704 sqft · built 2006 |
| Lot Size | 0.475 acres (20,691 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,000 (Dec 2020) |
| Tax Bill | $1,929 (2025) |
| Deeds & Mortgages | Jun 2022 Transfer Apr 2021 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-557-000 |
| Primary APN | 03811-557-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,704 sqft Living Area |
| Gross Area | 2,104 sqft |
| 1st Floor Area | 1,704 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 20,691 sqft (0.475 acres) |
| Lot Dimensions | 184 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 92 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10902 S FORK LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-4885 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | CREEK HOLLOW EST UNIT #2 201B LOT 7 ORB 4572 P 1879 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW EST |
| Legal Lot Number | 7 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 302 |
Source: Bay County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10902 S FORK LOOP, PANAMA CITY, FL 32404-4885 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jun 6, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Apr 13, 2021 | Warranty Deed, Transfer · Line of Credit WHITNEY BANK |
| Dec 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2020 · Amount on Record |
| Deed Sale | Dec 2, 2020 · Amount on Record |
| Prior Sale | Mar 3, 2009 · Amount on Record |
| Deed Document Number | 202081230 |
| Deed Book / Page | 4331 / 1977 |
| Last Transfer Date | Jun 6, 2022 |
| Transfer Doc | 0045721879 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 6, 2022 |
| Property Address | 10902 S FORK LOOP, PANAMA CITY, FL 32404-4885 |
| Document Number | 0045721879 |
| Book / Page | 4572 / 1879 |
| Map Reference | MB 17 PG 49 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 2022042491 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10902 S FORK LOOP, 10902, PANAMA CITY, FL 32404-4885 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10902 S FORK LOOP, PANAMA CITY, FL 32404-4885 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 13, 2021 |
| Property Address | 10902 S FORK LOOP, PANAMA CITY, FL 32404-4885 |
| Document Number | 0043900316 |
| Book / Page | 4390 / 316 |
| Map Reference | MB 17 PG 49&50 |
| Instrument Date | Apr 12, 2021 |
| Instrument | 2021026951 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $136.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9903 N CAMPFLOWERS RD, YOUNGSTOWN, FL 32466-2745 |
| Name | Verified Name |
|---|---|
| Address | 10902 S FORK LOOP, PANAMA CITY, FL 32404-4885 |
| Document Number | 0004390318 |
|---|---|
| Date | Apr 13, 2021 |
| Instrument | 4390/318 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 2, 2020 |
| Property Address | 10902 S FORK LOOP, PANAMA CITY, FL 32404-4885 |
| Document Number | 0043311977 |
| Book / Page | 4331 / 1977 |
| Map Reference | MB 17 PG 49 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 2020081230 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,533.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 329 N EAST AVE, 329, PANAMA CITY, FL 32401-5457 |
| Name | Verified Name |
|---|---|
| Address | 10902 S FORK LOOP, PANAMA CITY, FL 32404-4885 |
| Document Number | 43311979 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 4331/1979 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,929.00 (+1.53%) Homeowner's exemption Widower's exemption | $200,591 (+5.99%) | $220,061 (+6.11%) Land $24,351 Building $195,710 |
| 2024 | $1,900.00 (+2.26%) | ||
| 2023 | $1,858.00 (+8.28%) Homeowner's exemption Widower's exemption | $189,260 (+3%) | $207,381 (+7.71%) Land $18,131 Building $189,250 |
| 2022 | $1,716.00 Homeowner's exemption Widower's exemption | $183,748 | $192,541 Land $17,393 Building $175,148 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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 |
|
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.
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: 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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