Bay County property record for 1211 Stephen Dr, Panama City, FL 32405
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 8 bd · 8 ba · 4,288 sqft · built 1986 |
| Lot Size | 0.219 acres (9,539 sqft) |
| Owner | Company Name on Record |
| Last Sale | $460,000 (Oct 2021) |
| Tax Bill | $8,358 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14148-305-000 |
| Primary APN | 14148-305-000 |
|---|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 8 Baths |
| Units | 8 Units |
| Stories | 2 Stories |
| Building Area | 4,288 sqft Living Area |
| 1st Floor Area | 3,200 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Multi-Family |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,539 sqft (0.219 acres) |
| Lot Dimensions | 126 ft deep x 76 ft wide |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 476 sqft |
| Total Buildings | 4 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1211 STEPHEN DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3675 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | PC04 |
| Legal Description | NORTHSIDE ESTATES 91C1 LOT 18 BLK E ORB 4478 P 115 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 31 |
| Legal Subdivision | NORTHSIDE ESTATES |
| Legal Block | E |
| Legal Lot Number | 18 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1502 |
Source: Bay County records, as of June 9, 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 | 9800 NW 74TH TER, DORAL, FL 33178-3393 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2021 · Amount on Record |
| Deed Sale | Oct 26, 2021 · Amount on Record |
| Deed Document Number | 202181806 |
| Deed Book / Page | 4478 / 115 |
| Last Transfer Date | Apr 9, 2025 |
| Transfer Doc | 0049051032 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 26, 2021 |
| Property Address | 1211 STEPHEN DR, PANAMA CITY, FL 32405-3675 |
| Document Number | 0044780115 |
| Book / Page | 4478 / 115 |
| Map Reference | MB 14 PG 72 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 2021081806 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2021 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1401 BUENA VISTA BLVD, 1401, PANAMA CITY BEACH, FL 32401-2027 |
| Name | Verified Name |
|---|---|
| Address | 1211 STEPHEN DR, PANAMA CITY, FL 32405-3675 |
| Document Number | 4478117 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 4478/117 |
| Name | HAMILTON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
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 | $8,358.00 (-5.28%) | $514,648 (+19.63%) | $557,773 (+29.65%) Land $32,148 Building $525,625 |
| 2024 | $8,824.00 (+16.18%) | ||
| 2023 | $7,595.00 (+22.05%) | $430,201 (+11.26%) Land $27,933 Building $402,268 | $430,201 (+11.26%) Land $27,933 Building $402,268 |
| 2022 | $6,223.00 | $386,663 Land $21,932 Building $364,731 | $386,663 Land $21,932 Building $364,731 |
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 100 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 | 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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