Bay County property record for 10925 S Fork Loop, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 2008 |
| Lot Size | 0.511 acres (22,259 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $60,000 (Sep 2011) |
| Tax Bill | $337 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Nov 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-583-000 |
| Primary APN | 03811-583-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 22,259 sqft (0.511 acres) |
| Lot Dimensions | 197 ft deep x 120 ft wide |
| Driveway | Driveway |
| Driveway Area | 342 sqft |
| Deck Area | Deck Area |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10925 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 54 ORB 1549 P 1671 ORB 3348 P 515 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW EST |
| Legal Lot Number | 54 |
| 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 October 19, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 10925 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Nov 16, 2022 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Sep 1, 2019 | Loan Modification, Mortgage · FHA Mortgage US BK |
| Jun 15, 2017 | Loan Modification, Mortgage · FHA Mortgage US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2011 · Amount on Record |
| Deed Sale | Sep 1, 2011 · Amount on Record |
| Prior Sale | Apr 8, 2005 · Amount on Record |
| Deed Document Number | 201143928 |
| Deed Book / Page | 3348 / 515 |
| Prior Transfer Date | Feb 17, 2010 |
| Prior Transfer Doc | 0032210145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10925 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10925 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Document Number | 0047121100 |
|---|---|
| Date | Jul 24, 2023 |
| Book Page | 4712/1100 |
| Instrument | 2023045923 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10925 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10925 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Document Number | 0046310806 |
|---|---|
| Date | Nov 16, 2022 |
| Book Page | 4631/806 |
| Instrument | 2022082895 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | Sep 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10925 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Document Number | 0041631918 |
| Instrument Date | Sep 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10925 S FORK LOOP CALLAWAY FL 324044857, CALLAWAY, FL 32404-4857 |
| Document Number | 0041631918 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 004163/001918 |
| Instrument | 78510 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 3, 2049 |
| Rate | 4.5% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 10925 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Document Number | 0039210550 |
| Book / Page | 003921 / 000550 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2017 |
| Title Company | LOAN MODIFICATION SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 10925 S FORK LOOP PANAMA CITY FL 324044857, PANAMA CITY, FL 32404-4857 |
| Document Number | 0039210550 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 003921/000550 |
| Instrument | 41910 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2047 |
| Rate | 4.25% |
|---|
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 | $337.00 (+5.31%) Homeowner's exemption | $49,071 (+5.99%) | $50,832 (+9.54%) Land $27,443 Building $23,389 |
| 2024 | $320.00 (+4.58%) | ||
| 2023 | $306.00 (+13.33%) Homeowner's exemption | $46,299 (+3%) | $46,405 (+3.24%) Land $20,433 Building $25,972 |
| 2022 | $270.00 Homeowner's exemption | $44,950 Land $19,602 Building $25,348 | $44,950 Land $19,602 Building $25,348 |
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 58% of the US · lower than 69% 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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