Bay County property record for 1204 Stephen Dr, Panama City, FL 32405
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 8 bd · 6 ba · 4,228 sqft · built 1985 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,987 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14148-265-000 |
| Primary APN | 14148-265-000 |
|---|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 4 Half Baths |
| Units | 8 Units |
| Stories | 2 Stories |
| Building Area | 4,228 sqft Living Area |
| 1st Floor Area | 3,332 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Multi-Family |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,672 sqft (0.245 acres) |
| Lot Dimensions | 120 ft deep x 89 ft wide |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 304 sqft |
| Total Buildings | 4 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1204 STEPHEN DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3668 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | PC04 |
| Legal Description | NORTHSIDE ESTATES 91C1 LOT 10 BLK E ORB 1038 P 86 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 31 |
| Legal Subdivision | NORTHSIDE ESTATES |
| Legal Block | E |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1502 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2117 TRINITY ST, LYNN HAVEN, FL 32444-3046 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 19, 2009 |
| Transfer Doc | 0032001759 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,987.00 (-17.66%) | $221,899 (+9.93%) | $312,360 (+54.75%) Land $37,246 Building $275,114 |
| 2024 | $4,842.00 (+39.5%) | ||
| 2023 | $3,471.00 (+16.24%) | $201,849 (+12.93%) Land $32,363 Building $169,486 | $201,849 (+12.93%) Land $32,363 Building $169,486 |
| 2022 | $2,986.00 | $178,736 Land $25,410 Building $153,326 | $178,736 Land $25,410 Building $153,326 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 31 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 15 (1982–2022) |
| Claims Outside the SFHA | 13 of 15 |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
| 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 | Moderate above 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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