114 Rusty Gans Dr, Panama City, FL 32408 Property Records

Bay County property record for 114 Rusty Gans Dr, Panama City, FL 32408 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 2006
Square Footage	2,046 sqft Living Area
Lot Size	14,810 sqft (0.34 acres)
Occupancy	Owner Occupied
Last Sale	$50,000 (2004)
Tax Bill	$1,974.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`30197-859-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,046 sqft Living Area
Gross Area	2,614 sqft Gross Area
1st Floor	2,046 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Wood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	14,810 sqft (0.34 acres)
Depth X Width	165 ft x 90 ft Depth x Width
Driveway	Driveway
Driveway Area	360 sqft Driveway
Garage Type	Attached Garage
Garage Area	568 sqft Garage
Patio Area	240 sqft Patio
Porch	Open Porch
Porch Area	447 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	114 RUSTY GANS DR
City	PANAMA CITY
State	FL
Zip	32408-4510
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	GRAND LAGOON SHORES UNIT 2 LOT 3 BLK D ORB 775 P 772-ORB 1263 P 852 58B1 ORB 3471 P 873
Legal Range	15W
Legal Township	04S
Legal Section	06
Legal Subdivision	GRAND LAGOON SHORES
Legal Block	D
Legal Lot Number	3
Legal Unit	2
Jurisdiction	BAY FL
Minor Civil Division	PANAMA CITY BEACHES
Census Blockgroup	1
Census Block	1008
Census Tract	2604

Owner

Source: Bay County records · APN 30197-859-000

Assessment roll updated January 5, 2026 · Last verified April 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 File
Mailing Address	114 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 17, 2004 · Amount on Record
Deed Sale	Mar 17, 2004 · Amount on Record
Prior Sale	Mar 08, 2004 · Amount on Record
Deed Doc Number	200419194
Deed Book / Page	2411 / 1164
Last Transfer Date	Dec 18, 2012
Transfer Doc	0034710873
Record Refreshed	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	114 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510
Transaction Type	Mortgage
Record Updated	Jan 15, 2024
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044210683
Date	Jun 17, 2021
Book Page	4421/683
Instrument	2021045849

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 01, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	7.62%

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,001.00 (+1.37%) Homeowner's exemption	$202,335 (+5.99%)	$315,672 (+5.28%) Land $90,287 Building $225,385
2024	$1,974.00 (+1.86%)
2023	$1,938.00 (+13.93%) Homeowner's exemption	$190,906 (+5.06%)	$299,840 (+9%) Land $76,280 Building $223,560
2022	$1,701.00 Homeowner's exemption	$181,711	$275,077 Land $69,812 Building $205,265

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.