Bay County property record for 1207 Stephen Dr, Panama City, FL 32405
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 10 bd · 7 ba · 4,919 sqft · built 1985 |
| Lot Size | 0.204 acres (8,886 sqft) |
| Owner | Company Name on Record |
| Last Sale | $175,600 (Oct 2015) |
| Tax Bill | $4,612 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 14148-295-000 |
| Primary APN | 14148-295-000 |
|---|
| Bedrooms | 10 Beds |
|---|---|
| Full Baths | 7 Baths |
| Half Baths | 2 Half Baths |
| Units | 8 Units |
| Stories | 2 Stories |
| Building Area | 4,919 sqft Living Area |
| 1st Floor Area | 3,159 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 | Other |
| Lot Area | 8,886 sqft (0.204 acres) |
| Lot Dimensions | 100 ft deep x 89 ft wide |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 603 sqft |
| Total Buildings | 4 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1207 STEPHEN DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3671 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | PC04 |
| Legal Description | NORTHSIDE ESTATES 91C1 LOT 16 BLK E ORB 3738 P 2069 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 31 |
| Legal Subdivision | NORTHSIDE ESTATES |
| Legal Block | E |
| Legal Lot Number | 16 |
| 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 | 505 PARKWOOD CT, PANAMA CITY, FL 32405-4446 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2015 · Amount on Record |
| Deed Sale | Oct 6, 2015 · Amount on Record |
| Deed Document Number | 201554891 |
| Deed Book / Page | 3738 / 2069 |
| Prior Transfer Date | Oct 8, 2007 |
| Prior Transfer Doc | 0029831337 |
| 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 | $4,612.00 (-14.73%) | $255,802 (+10.17%) | $362,996 (+56.34%) Land $34,042 Building $328,954 |
| 2024 | $5,409.00 (+35.94%) | ||
| 2023 | $3,979.00 (+16.28%) | $232,186 (+12.44%) Land $29,579 Building $202,607 | $232,186 (+12.44%) Land $29,579 Building $202,607 |
| 2022 | $3,422.00 | $206,493 Land $23,224 Building $183,269 | $206,493 Land $23,224 Building $183,269 |
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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 297 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 | 1,200 / 50 |
May also be available: AT&T, T-Mobile, Verizon.
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