110 38th St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 110 38th St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,059 sqft · built 2000
Lot Size	0.118 acres (5,140 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (May 2021)
Tax Bill	$11,196 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage May 2019 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`04645-056-000`

Property Details

APN / Parcel Number

Primary APN	`04645-056-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,059 sqft Living Area
Gross Area	2,542 sqft
1st Floor Area	644 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2020
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,140 sqft (0.118 acres)
Lot Dimensions	140 ft deep x 37 ft wide
Garage Type	Attached
Garage Area	483 sqft
Driveway	Driveway
Driveway Area	270 sqft
Porch	Open Porch
Porch Area	566 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	110 38TH ST
City	MEXICO BEACH
State	FL
Zip	32456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB04
Legal Description	MEXICO BEACH UNIT #5 213D1 NELY 1/2 LOT 12 BLK 6 AND BEG AT THE NLY COR OF LOT 12 TH RUN SWLY 37.5 TH NWLY 50 TH NELY 37.5 TH RUN SELY 50 TO POB ORB 4400 P 289
Legal Range	12W
Legal Township	06S
Legal Section	23
Legal Subdivision	MEXICO BEACH
Legal Block	6
Legal Lot Number	12
Legal Unit	5
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1064
Census Tract	600

Owner

110 38th St is owned by an individual who bought it in May 2021.

Source: Bay County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	110 S 38TH ST, B, MEXICO BEACH, FL 32456-0317
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
May 14, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Dec 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on File
Deed Sale	May 3, 2021 · Amount on File
Prior Sale	May 14, 2019 · Amount on File
Deed Document Number	202132919
Deed Book / Page	4400 / 289
Prior Transfer Date	Dec 12, 2018
Prior Transfer Doc	0040700179
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 3, 2021
Property Address	110 38TH ST, MEXICO BEACH, FL 32456
Document Number	0044000289
Book / Page	4400 / 289
Map Reference	MB 7 PG 61
Instrument Date	Apr 27, 2021
Instrument	2021032919
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5231 XERXES AVE S, MINNEAPOLIS, MN 55410-2448

Mortgage

Document Number	0004400293
Date	May 3, 2021
Instrument	4400/293

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 14, 2019
Property Address	110 38TH ST, MEXICO BEACH, FL 32456
Document Number	0041222210
Book / Page	004122 / 002210
Instrument Date	May 9, 2019
Instrument	46681
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,071.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3986 INDIAN TRL DESTIN FL 325414318, DESTIN, FL 32541-4318

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Dec 17, 2018
Property Address	110 38TH ST, MEXICO BEACH, FL 32456
Document Number	0040700179
Book / Page	004070 / 000179
Instrument Date	Dec 12, 2018
Instrument	76133
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	126 CANAL PKWY MEXICO BEACH FL 324560266, MEXICO BEACH, FL 32456-0266

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 7, 2018
Property Address	110 38TH ST, MEXICO BEACH, FL 32456
Document Number	0040670545
Book / Page	004067 / 000545
Instrument Date	Nov 30, 2018
Instrument	72621
Transaction Type	Transfer
Record Updated	Jan 7, 2019

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 CANAL PKWY MEXICO BEACH FL 324560266, MEXICO BEACH, FL 32456-0266

Tax Assessment & Valuation

The 2025 property tax bill for 110 38th St was $11,196, up 7.7% from the year before.

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	$11,196.00 (+7.68%)	$674,106	$720,299 Land $244,860 Building $475,439
2024	$10,397.00 (+8.78%)
2023	$9,558.00 (+13.25%)	$558,643 (+10.3%) Land $193,200 Building $365,443	$558,643 (+10.3%) Land $193,200 Building $365,443
2022	$8,440.00	$506,466 Land $161,574 Building $344,892	$506,466 Land $161,574 Building $344,892

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

Flood

FEMA maps place 110 38th St in Zone X, an area of moderate flood risk, within 500 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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

Wildfire risk around 110 38th St is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.1% 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 218 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber, REV.

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