113 Circle Dr, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 113 Circle Dr, Mexico Beach, FL 32456

Property Summary

Property Type	Vacant Land
Details	3 bd · 2 ba · 1,541 sqft · built 1960
Lot Size	0.154 acres (6,708 sqft)
Owner	Trust Name on File
Last Sale	$399,000 (Sep 2021)
Tax Bill	$6,196 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`04708-000-000`

Property Details

APN / Parcel Number

Primary APN	`04708-000-000`

Interior

1st Floor Area	1,186 sqft

Exterior

Lot Area	6,708 sqft (0.154 acres)
Lot Dimensions	90 ft deep x 75 ft wide

Location & Zoning

Street Address	113 CIRCLE DR
City	MEXICO BEACH
State	FL
Zip	32456-0203
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	MB04
Legal Description	MEXICO BEACH UNIT #7 213D1 LOT 7 BLK 10 ORB 4458 P 592
Legal Range	12W
Legal Township	06S
Legal Section	22
Legal Subdivision	MEXICO BEACH
Legal Block	10
Legal Lot Number	7
Legal Unit	7
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1064
Census Tract	600

Owner

113 Circle Dr, vacant land, is held in a trust since September 2021.

Source: Bay County records, as of September 9, 2026

Owner of Record	Trust Name on File
Mailing Address	149 W HIGHWAY 98, PORT SAINT JOE, FL 32456-1871
Owner Type	Company
Vesting	Trust

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
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit NORTHWEST FEDERAL CREDIT UNION
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FCU
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Deed Document Number	202169127
Deed Book / Page	4458 / 592
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Aug 19, 2026
Property Address	113 CIRCLE DR, MEXICO BEACH, FL 32456-0203
Document Number	0000051251
Book / Page	5069 / 1647
Instrument Date	Aug 6, 2026
Instrument	202651251
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	113 CIRCLE DR, MEXICO BEACH, FL 32456-0203
Investor	Possibly a Property Investor

Mortgage

Document Number	0000051251,
Date	Aug 19, 2026
Book Page	5069/1647
Instrument	202651251

Lender

Name	NORTHWEST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 11, 2051

Interest

Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	113 CIRCLE DR, MEXICO BEACH, FL 32456-0203
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4307 LUNA TRL, GEORGETOWN, TX 78628-1625

Mortgage

Document Number	0045160388
Date	Jan 27, 2022
Book Page	4516/388
Instrument	2022006160

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Feb 1, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 9, 2021
Property Address	113 CIRCLE DR, MEXICO BEACH, FL 32456-0203
Document Number	0044580592
Book / Page	4458 / 592
Instrument Date	Aug 31, 2021
Instrument	2021069127
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1305 CHANCEL PL, 1305, ALEXANDRIA, VA 22314-4707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4307 LUNA TRL, GEORGETOWN, TX 78628-1625

Mortgage

Document Number	0044580597
Date	Sep 9, 2021
Book Page	4458/597
Instrument	2021069129

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 113 Circle Dr was $6,196, up 9.8% 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	$6,196.00 (+9.8%)	$364,825	$415,388 Land $415,388
2024	$5,643.00 (+6.23%)
2023	$5,312.00 (+16.29%)	$327,750 (+19.57%) Land $327,750	$327,750 (+19.57%) Land $327,750
2022	$4,568.00	$274,098 Land $274,098	$274,098 Land $274,098

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

Flood

FEMA maps place 113 Circle Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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 113 Circle Dr is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 47% 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 30 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	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Fidium Fiber, REV.

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