Bay County property record for 10937 S Fork Loop, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 2002 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | Individual Name on File |
| Last Sale | $126,000 (Dec 2022) |
| Tax Bill | $837 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 03811-586-000 |
| Primary APN | 03811-586-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,296 sqft Heated Area |
| 1st Floor Area | 1,296 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 23,087 sqft (0.53 acres) |
| Lot Dimensions | 218 ft deep x 111 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10937 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 201B LOT 57 ORB 4642 P 2216 |
| Legal Range | 12W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | CREEK HOLLOW ESTATE |
| Legal Lot Number | 57 |
| 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 | Individual Name on File |
|---|---|
| Mailing Address | 10937 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 20, 2019 | Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2022 · Amount on File |
| Deed Sale | Dec 22, 2022 · Amount on File |
| Prior Sale | Sep 20, 2019 · Amount on File |
| Deed Document Number | 2022090411 |
| Deed Book / Page | 4642 / 2216 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 22, 2022 |
| Property Address | 10937 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Document Number | 0046422216 |
| Book / Page | 4642 / 2216 |
| Map Reference | MB 17 PG 49&50 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 2022090411 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $882.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1324 10TH ST, PANAMA CITY, FL 32409-5017 |
| Name | Verified Name |
|---|---|
| Address | 10937 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Document Number | 0046422218 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 4642/2218 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 20, 2019 |
| Property Address | 10937 S FORK LOOP, PANAMA CITY, FL 32404-4857 |
| Document Number | 0041700128 |
| Book / Page | 004170 / 000128 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 83366 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2019 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $175.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1324 10TH ST PANAMA CITY FL 324095017, PANAMA CITY, FL 32409-5017 |
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 | $837.00 (-5.96%) Homeowner's exemption | $107,281 (+0.29%) Land $25,934 Building $81,347 | $107,281 (+0.29%) Land $25,934 Building $81,347 |
| 2023 | $890.00 (+129.38%) Homeowner's exemption | $106,966 (+190.55%) Land $19,310 Building $87,656 | $106,966 (+190.55%) Land $19,310 Building $87,656 |
| 2022 | $388.00 | $36,815 Land $18,524 Building $18,291 | $36,815 Land $18,524 Building $18,291 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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.
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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