Bay County property record for 10918 S Fork Loop, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,662 sqft · built 2006 |
| Lot Size | 0.562 acres (24,481 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,000 (Oct 2013) |
| Tax Bill | $1,078 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-554-000 |
| Primary APN | 03811-554-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,662 sqft Heated Area |
| Gross Area | 2,394 sqft |
| 1st Floor Area | 1,662 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 24,481 sqft (0.562 acres) |
| Lot Dimensions | 224 ft deep x 105 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Porch | Porch |
| Porch Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10918 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 LOT 4 ** AND ** PT OF LOT 5 DESC AS:BEG AT NE |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW ESTATE |
| Legal Lot Number | 4,5 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 302 |
10918 S Fork Loop is owned and occupied by an individual who bought it in October 2013.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10918 S FORK LOOP, PANAMA CITY, FL 32404-4885 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2013 · Amount on File |
| Deed Sale | Oct 10, 2013 · Amount on File |
| Prior Sale | Dec 15, 2004 · Amount on File |
| Deed Document Number | 2013061005 |
| Deed Book / Page | 3555 / 0305 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 10918 S Fork Loop was $1,078 with a homeowner's exemption.
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 | $1,078.00 Homeowner's exemption | $126,802 | $142,457 Land $27,820 Building $114,637 |
| 2023 | $1,049.00 (+11.48%) Homeowner's exemption | $119,639 (+3%) | $131,326 (+8.31%) Land $20,713 Building $110,613 |
| 2022 | $941.00 Homeowner's exemption | $116,154 | $121,249 Land $19,870 Building $101,379 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10918 S Fork Loop in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 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 |
|
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 risk around 10918 S Fork Loop is moderate, ranking above 61% 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 61% of the US · lower than 63% 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: 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 |
| 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.
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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