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

Bay County property record for 118 Rusty Gans Dr, Panama City, FL 32408 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,158 sqft · built 1988
Lot Size0.34 acres (14,810 sqft)
OwnerIndividual Name on File
Last Sale$325,000 (Dec 2020)
Tax Bill$3,238 (2025)
Deeds & MortgagesJan 2018 Mortgage
Dec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30197-863-000

Property Details

APN / Parcel Number

Primary APN30197-863-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,158 sqft Living Area
Gross Area2,704 sqft
1st Floor Area1,566 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1993
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area14,810 sqft (0.34 acres)
Lot Dimensions165 ft deep x 90 ft wide
Garage TypeAttached
Garage Area546 sqft
DrivewayDriveway

Exterior Amenities

Pool Area540 sqft
PorchOpen Porch
Porch Area1,060 sqft
Deck Area180 sqft
Patio Area315 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address118 RUSTY GANS DR
CityPANAMA CITY
StateFL
Zip32408-4510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAND LAGOON SHORES UNIT 2 LOT 5 BLK D ORB 1903 P 13 58B1 ORB 4344 P 1134
Legal Range15W
Legal Township04S
Legal Section06
Legal SubdivisionGRAND LAGOON SHORES
Legal BlockD
Legal Lot Number5
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1008
Census Tract2604

Owner

Source: Bay County records · APN 30197-863-000

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 RecordIndividual Name on File
Mailing Address118 RUSTY GANS DR, PANAMA CITY, FL 32408-4510
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 10, 2018Deed of Trust, Mortgage · Conventional Mortgage
SUNTRUST MORTGAGE INC
Dec 30, 2020Warranty Deed, Transfer · Conventional Mortgage
TYNDALL FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 30, 2020 · Amount on Record
Deed SaleDec 30, 2020 · Amount on Record
Prior SaleMar 04, 2002 · Amount on Record
Deed Document Number202088112
Deed Book / Page4344 / 1134
Prior Transfer DateDec 29, 2020
Prior Transfer Doc0043441134
Record UpdatedJun 08, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address118 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510
Transaction TypeMortgage
Record UpdatedJul 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 RUSTY GANS DR, PANAMA CITY, FL 32408-4510

Mortgage

Document Number0039700774
DateJan 10, 2018
Book Page3970/0774
Instrument2018001958
Lender
NameSUNTRUST MORTGAGE INC
TypeMortgage Company
AddressRICHMOND, VA 23224
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueFeb 01, 2028

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 30, 2020
Property Address118 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510
Document Number0043441134
Book / Page4344 / 1134
Map ReferenceMB 13 PG 27
Instrument DateDec 29, 2020
Instrument2020088112
Transaction TypeTransfer
Record UpdatedJul 27, 2022
Title CompanyMTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address115 RUSTY GANS DR, 115, PANAMA CITY, FL 32408-4529

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510

Mortgage

Document Number0043441136
DateDec 30, 2020
Instrument4344/1136
Lender
NameTYNDALL FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,238.00 (+1.95%) Homeowner's exemption$302,972 (+5.99%)$335,089 (+7.34%) Land $90,287 Building $244,802
2024$3,176.00 (+1.63%)
2023$3,125.00 (+11.57%) Homeowner's exemption$285,857 (+3.27%)$312,180 (+8.22%) Land $76,280 Building $235,900
2022$2,801.00 Homeowner's exemption$276,818$288,455 Land $69,812 Building $218,643

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050026041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 27 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies27 in force
Nearby Flood Claims10 (1984–2020)
Claims Outside the SFHA10 of 10
Most Recent ClaimSep 2020, rainfall accumulation, Hurricane Sally
Claims By Storm
  • Hurricane Michael, Oct 2018 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 292 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 2,000
WOW Internet, Cable & PhoneCable1,200 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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