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12 Dolphin Ln, Panama City, FL 32408 Property Records

Bay County property record for 12 Dolphin Ln, Panama City, FL 32408

Property Summary

Property TypeMobile Home
Details2 bd · 2 ba · 812 sqft · built 1981
Lot Size0.019 acres (827 sqft)
Owner2 Individual Names on File
Last Sale$184,100 (May 2020)
Tax Bill$3,196 (2025)
Deeds & MortgagesMay 2020 Sale
Flood ZoneZone X (minimal risk)
APN31442-031-000

Property Details

APN / Parcel Number

Primary APN31442-031-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area812 sqft Living Area
1st Floor Area812 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1991
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area827 sqft (0.019 acres)
DrivewayDriveway
Driveway Area432 sqft
PorchOpen Porch
Porch Area72 sqft
Patio Area112 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address12 DOLPHIN LN
CityPANAMA CITY
StateFL
Zip32408
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeBC16
Legal DescriptionVENTURE OUT TRAVEL TRAIL LOT 16 BLK 5 ORB 4837 P 457
Legal Range15W
Legal Township04S
Legal Section16
Legal SubdivisionVENTURE OUT TRAVEL TRAIL
Legal Block5
Legal Lot Number16
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1041
Census Tract2607

Owner

12 Dolphin Ln, a mobile home, is owned by two individuals who acquired it in August 2024.

Source: Bay County records, as of January 5, 2026

Owner of Record2 Individual Names on File
Mailing Address10708 STABLE DR, INDIANAPOLIS, IN 46239-8844
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 14, 2020 · Amount on File
Deed SaleMay 14, 2020 · Amount on File
Deed Document Number202031750
Deed Book / Page4251 / 1900
Last Transfer DateAug 28, 2024
Transfer Doc0048370457
Record UpdatedJun 8, 2026

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 14, 2020
Property Address12 DOLPHIN LN, PANAMA CITY BEACH, FL 32408
Document Number0042511900
Book / Page004251 / 001900
Instrument DateMay 13, 2020
Instrument31750
Transaction TypeTransfer
Record UpdatedMay 25, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10708 STABLE DR INDIANAPOLIS IN 462398844, INDIANAPOLIS, IN 46239-8844

Tax Assessment & Valuation

The 2025 property tax bill for 12 Dolphin Ln was $3,196, up 4.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,196.00 (+4.44%)$240,809$285,110 Land $218,075 Building $67,035
2024$3,060.00 (+9.4%)
2023$2,797.00 (+23.98%)$248,134 (+21.95%) Land $205,726 Building $42,408$248,134 (+21.95%) Land $205,726 Building $42,408
2022$2,256.00$203,475 Land $170,000 Building $33,475$203,475 Land $170,000 Building $33,475

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

Flood

FEMA maps place 12 Dolphin Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 311 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,268 units insured
incl. 957 condo units
Nearby Flood Claims254 (1978–2023)
Claims Outside the SFHA161 of 254
Most Recent ClaimAug 2023 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 46 claims
  • Hurricane Frances, Sep 2004 · 8 claims
  • Hurricane Opal, Oct 1995 · 130 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

The area around 12 Dolphin Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land 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 178 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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