Bay County property record for 123 Circle Dr, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 1976 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $447 (2025) |
| Deeds & Mortgages | Sep 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 33182-010-000 |
| Primary APN | 33182-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| Gross Area | 1,528 sqft |
| 1st Floor Area | 1,288 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,973 sqft (0.206 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Driveway | Driveway |
| Driveway Area | 540 sqft |
| Porch | Open Porch |
| Porch Area | 112 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 123 CIRCLE DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-5211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PCB13 |
| Legal Description | GULF HIGHLANDS UNIT 2 LOT 8 BLK 8 ORB 943 P 1577 ORB 4610 P 599 MAP 29B1&B2 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 18 |
| Legal Subdivision | GULF HIGHLANDS |
| Legal Block | 8 |
| Legal Lot Number | 8 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 2709 |
123 Circle Dr is owned and occupied by an individual who acquired it in February 2012.
Source: Bay County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 123 CIRCLE DR, PANAMA CITY BEACH, FL 32413-5211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2012 |
| Deed Sale | Feb 1, 2012 |
| Deed Document Number | 20125267 |
| Deed Book / Page | 3382 / 2047 |
| Prior Transfer Date | Feb 3, 2005 |
| Prior Transfer Doc | 0025650090 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 15, 2022 |
| Property Address | 123 CIRCLE DR, PANAMA CITY BEACH, FL 32413-5211 |
| Document Number | 0046100599 |
| Book / Page | 4610 / 599 |
| Map Reference | MB 8 PG 49 |
| Instrument Date | Sep 13, 2022 |
| Instrument | 2022068354 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 CIRCLE DR, PANAMA CITY BEACH, FL 32413-5211 |
| Name | Verified Name |
|---|---|
| Address | 123 CIRCLE DR, PANAMA CITY BEACH, FL 32413-5211 |
The 2025 property tax bill for 123 Circle Dr was $447 with exemptions applied, down 36.3% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City Beach |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $447.00 (-36.32%) Homeowner's exemption Widower's exemption | $84,121 | $201,480 Land $103,635 Building $97,845 |
| 2024 | $702.00 (+5.72%) | ||
| 2023 | $664.00 (+0.61%) Homeowner's exemption Widower's exemption | $79,369 (+3%) | $179,851 (+15.49%) Land $87,097 Building $92,754 |
| 2022 | $660.00 Homeowner's exemption Widower's exemption | $77,057 | $155,727 Land $71,515 Building $84,212 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Circle Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 122 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 393 units insured incl. 271 condo units |
| Nearby Flood Claims | 2 (2020) |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
Wildfire risk around 123 Circle Dr is moderate, ranking above 52% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within 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 | CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable · Fiber in parts of the area | 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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