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118 Pine St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 118 Pine St, Mexico Beach, FL 32456

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,840 sqft · built 1996
Lot Size0.172 acres (7,492 sqft)
Owner2 Individual Names on Record
Last Sale$295,000 (Jun 2004)
Tax Bill$2,616 (2025)
Deeds & MortgagesAug 2026 Sale
Mar 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN04845-000-000

Property Details

APN / Parcel Number

Primary APN04845-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,840 sqft Living Area
Gross Area2,260 sqft
1st Floor Area1,619 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialOther
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions100 ft deep x 75 ft wide
Garage TypeAttached
Garage Area420 sqft
DrivewayDriveway
Driveway Area576 sqft
PorchFlorida Room
Porch Area245 sqft
Patio Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address118 PINE ST
CityMEXICO BEACH
StateFL
Zip32456-0170
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMB01
Legal DescriptionMEXICO BEACH UNIT #11 LOT 23 BLK 5 ORB 1329 P 360 ORB 2450 P 1293
Legal Range12W
Legal Township06S
Legal Section25
Legal SubdivisionMEXICO BEACH
Legal Block5
Legal Lot Number23
Legal Unit11
JurisdictionBAY FL
Township / Civil DivisionMEXICO BEACH
Census Block Group1
Census Block1101
Census Tract600

Owner

Source: Bay County records, as of September 1, 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 Address118 PINE ST, MEXICO BEACH, FL 32456-0170
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
Aug 4, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Mar 18, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 1, 2004 · Amount on Record
Deed SaleJun 1, 2004 · Amount on Record
Deed Document Number200441487
Deed Book / Page2450 / 1293
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 4, 2026
Property Address118 PINE ST, MEXICO BEACH, FL 32456-0170
Document Number0000047571
Book / Page5063 / 2317
Instrument DateAug 3, 2026
Instrument202647571
Transaction TypeTransfer
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 PINE ST, MEXICO BEACH, FL 32456-0170

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address118 PINE ST, MEXICO BEACH, FL 32456-0170
Transaction TypeMortgage
Record UpdatedApr 20, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 PINE ST, MEXICO BEACH, FL 32456-0170

Mortgage

Document Number0050132326
DateMar 18, 2026
Book Page5013/2326
Instrument2026016238
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueApr 1, 2036

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,616.00 (+0.62%) Homeowner's exemption$203,343 (+5.99%)$423,202 (+1.09%) Land $274,125 Building $149,077
2024$2,600.00 (+1.25%)
2023$2,568.00 (+6.64%) Homeowner's exemption$191,856 (+3%)$418,642 (+30.88%) Land $298,031 Building $120,611
2022$2,408.00 Homeowner's exemption$186,268$319,861 Land $208,143 Building $111,718

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 VE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 378 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies693 units insured
incl. 315 condo units
Nearby Flood Claims914 (1985–2024)
Claims Outside the SFHA547 of 914
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 66% of the US · above 44% of Florida
Wildfire Likelihood0.2% 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 MEXICO BEACH
serves 5,888 people · EPA ID FL1030467
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 190 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Point Broadband
Fiber		1,000 / 1,000
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Fidium Fiber, Xfinity.

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