110 20th St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 110 20th St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,048 sqft · built 1996
Lot Size	0.229 acres (9,975 sqft)
Owner	Individual Name on Record
Last Sale	$232,500 (Jan 2017)
Tax Bill	$3,264 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04433-009-000`

Property Details

APN / Parcel Number

Primary APN	`04433-009-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,048 sqft Living Area
1st Floor Area	1,048 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,975 sqft (0.229 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	211 sqft
Carport	Carport
Carport Area	211 sqft
Driveway	Driveway
Driveway Area	630 sqft
Porch	Open Porch
Deck Area	Deck Area
Patio Area	486 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	110 20TH ST
City	MEXICO BEACH
State	FL
Zip	32456-0292
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB01
Legal Description	MEXICO BEACH U-3 LOT 7 BLK 2 ORB 3863 P 2237
Legal Range	12W
Legal Township	06S
Legal Section	23
Legal Subdivision	MEXICO BEACH
Legal Block	2
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1062
Census Tract	600

Owner

Source: Bay County records, as of January 5, 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	110 20TH ST, MEXICO BEACH, FL 32456-0292
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 9, 2017	Warranty Deed, Transfer · Conventional Mortgage HUE & JANE RAINEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2017 · Amount on Record
Deed Sale	Jan 9, 2017 · Amount on Record
Prior Sale	Jun 29, 2015 · Amount on Record
Deed Document Number	20171034
Deed Book / Page	3863 / 2237
Prior Transfer Date	Feb 3, 2015
Prior Transfer Doc	0036741179
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	110 20TH ST, MEXICO BEACH, FL 32456-0292
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043810688
Date	Mar 25, 2021
Book Page	4381/688
Instrument	2021021662

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	110 20TH ST, MEXICO BEACH, FL 32456-0292
Document Number	0042871805
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 20TH ST MEXICO BEACH FL 324560292, MEXICO BEACH, FL 32456-0292

Mortgage

Document Number	0042871805
Date	Aug 17, 2020
Book Page	004287/001805
Instrument	54022

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	110 20TH ST, MEXICO BEACH, FL 32456-0292
Document Number	0042871826
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2006 SUTHERLAND RD LYNN HAVEN FL 324445387, LYNN HAVEN, FL 32444-5387

Mortgage

Document Number	0042871826
Date	Aug 17, 2020
Book Page	004287/001826
Instrument	54024

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 16, 2035

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 9, 2017
Property Address	110 20TH ST, MEXICO BEACH, FL 32456-0292
Document Number	0038632237
Book / Page	003863 / 002237
Instrument Date	Jan 5, 2017
Instrument	1034
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,627.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8501 BROOKSBY DR PLANO TX 750247327, PLANO, TX 75024-7327

Mortgage

Document Number	38632239
Date	Jan 9, 2017
Book Page	003863/002239
Instrument	1035

Lender

Name	HUE & JANE RAINEY
Address	1299 HIGHWAY 17, SAUTEE, GA 30571-2918
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jan 8, 2024

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Mexico Beach City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$249,316 (+5.99%)	$436,793 (+24.53%) Land $284,750 Building $152,043
2024	$3,264.00 (+1.18%)
2023	$3,226.00 (+4%) Homeowner's exemption Disabled Person's exemption	$235,233 (+3%)	$350,740 (+36.97%) Land $228,310 Building $122,430
2022	$3,102.00 Homeowner's exemption Disabled Person's exemption	$228,382	$256,080 Land $144,500 Building $111,580

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 378 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	693 units insured incl. 315 condo units
Nearby Flood Claims	914 (1985–2024)
Claims Outside the SFHA	547 of 914
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 581 claims Hurricane Dennis, Jul 2005 · 22 claims Hurricane Opal, Oct 1995 · 195 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MEXICO BEACH serves 5,888 people · EPA ID FL1030467
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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