Bay County property record for 115 Rusty Gans Dr, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,044 sqft · built 1980 |
| Lot Size | 0.367 acres (15,986 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $257,400 (Jan 2021) |
| Tax Bill | $2,574 (2024) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30197-821-000 |
| Primary APN | 30197-821-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,044 sqft Living Area |
| Gross Area | 2,506 sqft |
| 1st Floor Area | 1,804 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,986 sqft (0.367 acres) |
| Lot Dimensions | 200 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Driveway | Driveway |
| Driveway Area | 840 sqft |
| Porch | Florida Room |
| Porch Area | 495 sqft |
| Patio Area | 510 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 115 RUSTY GANS DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-4529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | GRAND LAGOON SHORES UNIT 2 LOT 9 BLK C ORB 4350 P 940 58B1 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | GRAND LAGOON SHORES |
| Legal Block | C |
| Legal Lot Number | 9 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 2604 |
Source: Bay County records, as of March 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 115 RUSTY GANS DR, PANAMA CITY, FL 32408-4529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2026 | Deed of Trust, Mortgage · Line of Credit TYNDALL FCU |
| Jan 13, 2021 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2021 · Amount on Record |
| Deed Sale | Jan 13, 2021 · Amount on Record |
| Prior Sale | May 31, 2005 · Amount on Record |
| Deed Document Number | 20212719 |
| Deed Book / Page | 4350 / 940 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 115 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 115 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529 |
| Document Number | 0050081790 |
|---|---|
| Date | Mar 4, 2026 |
| Book Page | 5008/1790 |
| Instrument | 2026012978 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 13, 2021 |
| Property Address | 115 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529 |
| Document Number | 0043500940 |
| Book / Page | 4350 / 940 |
| Map Reference | MB 13 PG 27 |
| Instrument Date | Jan 5, 2021 |
| Instrument | 2021002719 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,801.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3605 BROOKEWIND WAY, LEXINGTON, KY 40515-6431 |
| Name | Verified Name |
|---|---|
| Address | 115 RUSTY GANS DR, PANAMA CITY, FL 32408-4529 |
| Document Number | 0004350942 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 4350/942 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $257,698 (+5.99%) | $304,747 (+16.95%) Land $90,287 Building $214,460 | |
| 2024 | $2,574.00 (+1.78%) | ||
| 2023 | $2,529.00 (+11.36%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $243,141 (+3%) | $260,585 (+8.78%) Land $76,280 Building $184,305 |
| 2022 | $2,271.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $236,059 | $239,542 Land $69,812 Building $169,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 10 (1984–2020) |
| Claims Outside the SFHA | 10 of 10 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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