Bay County property record for 10905 S Fork Loop, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 4 bd · 2 ba · 2,052 sqft · built 2004 |
| Lot Size | 0.601 acres (26,180 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $59,000 (Jun 2012) |
| Tax Bill | $313 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-578-000 |
| Primary APN | 03811-578-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,052 sqft Heated Area |
| 1st Floor Area | 2,052 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 26,180 sqft (0.601 acres) |
| Lot Dimensions | 236 ft deep x 130 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10905 S FORK LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-4857 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | BC16 |
| Legal Description | CREEK HOLLOW EST UNIT #2 LOT 49 ORB 3419 P 1553 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW ESTATE |
| Legal Lot Number | 49 |
| 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 January 23, 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 Owner Names on Record |
|---|---|
| Mailing Address | 10905 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2012 · Amount on Record |
| Deed Sale | Jun 25, 2012 · Amount on Record |
| Prior Sale | Mar 7, 2012 |
| Deed Document Number | 2012033927 |
| Deed Book / Page | 3419 / 1553 |
| Record Updated | Jun 8, 2026 |
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 | $313.00 (-7.94%) Homeowner's exemption | $50,756 (+2.9%) | $58,564 (+7.53%) Land $26,154 Building $32,410 |
| 2024 | $340.00 (+4.29%) Homeowner's exemption | $49,326 (+3%) | $54,462 (+8.58%) Land $23,776 Building $30,686 |
| 2023 | $326.00 (+13.19%) Homeowner's exemption | $47,889 (+3%) | $50,159 (+7.88%) Land $19,473 Building $30,686 |
| 2022 | $288.00 Homeowner's exemption | $46,494 Land $18,681 Building $27,813 | $46,494 Land $18,681 Building $27,813 |
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 500 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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