112 Seashell Ct, Panama City Beach, FL 32413 Property Records

Bay County property record for 112 Seashell Ct, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,226 sqft · built 1996
Lot Size	0.13 acres (5,663 sqft)
Owner	Owner Name on Record
Last Sale	$179,000 (Oct 2011)
Tax Bill	$1,490 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33830-291-000`

Property Details

APN / Parcel Number

Primary APN	`33830-291-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,226 sqft Heated Area
Gross Area	1,822 sqft
1st Floor Area	1,226 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	98 ft deep x 58 ft wide
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	528 sqft

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Patio Area	120 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	112 SEASHELL CT
City	PANAMA CITY BEACH
State	FL
Zip	32413-2769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB14
Legal Description	SEACLUSION BEACH LOT 91 ORB 3354 P 1922
Legal Range	16W
Legal Township	03S
Legal Section	21
Legal Subdivision	SEACLUSION BEACH
Legal Lot Number	91
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	2
Census Block	2028
Census Tract	2711

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	112 SEASHELL CT, PANAMA CITY BEACH, FL 32413-2769
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2011 · Amount on Record
Deed Sale	Oct 3, 2011 · Amount on Record
Deed Document Number	2011049332
Deed Book / Page	3354 / 1922
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	112 SEASHELL CT, PANAMA CITY BEACH, FL 32413-2769
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SEASHELL CT, PANAMA CITY BEACH, FL 32413-2769

Mortgage

Document Number	0043652232
Date	Feb 22, 2021
Book Page	4365/2232
Instrument	2021012177

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,490.00 (-12.04%) Homeowner's exemption	$174,695 (+5.99%)	$283,213 (+7.9%) Land $152,196 Building $131,017
2023	$1,694.00 (+13.92%) Homeowner's exemption	$164,827 (+6.13%)	$262,481 (+24.16%) Land $132,527 Building $129,954
2022	$1,487.00 Homeowner's exemption	$155,309	$211,405 Land $107,950 Building $103,455

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 225 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,288 units insured incl. 1,063 condo units
Nearby Flood Claims	6 (1998–2021)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Apr 2021 · rainfall accumulation

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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 PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Apr 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 530 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20