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116 Christopher Dr, Panama City Beach, FL 32413 Property Records

Bay County property record for 116 Christopher Dr, Panama City Beach, FL 32413

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 974 sqft · built 1979
Lot Size0.219 acres (9,583 sqft)
Owner2 Individual Names on Record
Last Sale$194,000 (Aug 2020)
Tax Bill$1,766 (2025)
Deeds & MortgagesAug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN33012-000-000

Property Details

APN / Parcel Number

Primary APN33012-000-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area974 sqft Heated Area
Gross Area1,563 sqft
1st Floor Area974 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1999
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions120 ft deep x 80 ft wide

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area450 sqft
PorchPorch
Porch Area237 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address116 CHRISTOPHER DR
CityPANAMA CITY BEACH
StateFL
Zip32413-2202
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePCB14
Legal DescriptionGULF HIGHLANDS LOTS 25, 26 BLK G ORB 4286 P 1162
Legal Range16W
Legal Township03S
Legal Section18
Legal SubdivisionGULF HIGHLANDS
Legal BlockG
Legal Lot Number25,26 26
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1001
Census Tract2703

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 Record2 Individual Names on Record
Mailing Address116 CHRISTOPHER DR, PANAMA CITY BEACH, FL 32413-2202
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 13, 2020 · Amount on Record
Deed SaleAug 13, 2020 · Amount on Record
Prior SaleOct 20, 2008 · Amount on Record
Deed Document Number2020053161
Deed Book / Page4286 / 1162
Record UpdatedJun 8, 2026

August 2020: Deed of Trust, Transfer

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address116 CHRISTOPHER DR, PANAMA CITY BEACH, FL 32413-2202
Document Number0042861164
Instrument DateAug 3, 2020
Transaction TypeTransfer
Record UpdatedSep 1, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Additional
  • Arm's Length

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address103 WILLOUGHBY BAY BLVD #10 PANAMA CITY BEACH FL 324078476, 10, PANAMA CITY BEACH, FL 32407-8476

Mortgage

Document Number0042861164
DateAug 13, 2020
Book Page004286/001164
Instrument53162
Lender
NameBROKER SOLUTIONS
Address14511 MYFORD ROAD SUITE100, TUSTIN, CA 92780
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 12, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City Beach
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,766.00 (-9.71%) Homeowner's exemption$200,018 (+5.99%)$231,447 (+6.42%) Land $117,286 Building $114,161
2023$1,956.00 (+10.76%) Homeowner's exemption$188,719 (+3%)$217,479 (+15.9%) Land $108,427 Building $109,052
2022$1,766.00 Homeowner's exemption$183,222$187,648 Land $87,651 Building $99,997

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 175 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies175 in force
Nearby Flood Claims65 (1978–2022)
Claims Outside the SFHA47 of 65
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Frances, Sep 2004 · 2 claims
  • Hurricane Georges, Sep 1998 · 6 claims
  • Hurricane Opal, Oct 1995 · 35 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

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

Wildfire RiskModerate
above 47% of the US · lower than 82% of Florida
Wildfire Likelihood0.08% annual chance
ExposureIndirect
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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 355 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 2,000
WOW Internet, Cable & Phone
Cable · Fiber in parts of the area		1,200 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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