Bay County property record for 124 Covington St, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,562 sqft · built 2002 |
| Lot Size | 0.189 acres (8,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,000 (Dec 2020) |
| Tax Bill | $3,358 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32738-522-000 |
| Primary APN | 32738-522-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,562 sqft Heated Area |
| Gross Area | 2,260 sqft |
| 1st Floor Area | 1,562 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,276 sqft (0.189 acres) |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 774 sqft |
| Porch | Porch |
| Porch Area | 278 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 124 COVINGTON ST |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-2845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALMETTO TRACE PH 1 37C LOT 22 ORB 4335 P 908 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 16 |
| Legal Subdivision | PALMETTO TRACE PH 1 |
| Legal Phase | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 2703 |
124 Covington St is owned and occupied by an individual who bought it in December 2020.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 124 COVINGTON ST, PANAMA CITY BEACH, FL 32413-2845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 9, 2020 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Jul 6, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2020 · Amount on File |
| Deed Sale | Dec 9, 2020 · Amount on File |
| Prior Sale | Dec 2, 2013 · Amount on File |
| Deed Document Number | 2020083341 |
| Deed Book / Page | 4335 / 908 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 9, 2020 |
| Property Address | 124 COVINGTON ST, PANAMA CITY BEACH, FL 32413-2845 |
| Document Number | 0043350908 |
| Book / Page | 4335 / 908 |
| Map Reference | MB 18 PG 78 |
| Instrument Date | Dec 1, 2020 |
| Instrument | 2020083341 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,023.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12300 31ST AVE NE # NE402, 12300, SEATTLE, WA 98125-5555 |
| Name | Verified Name |
|---|---|
| Address | 124 COVINGTON ST, PANAMA CITY BEACH, FL 32413-2845 |
| Document Number | 0004335910 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 4335/910 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 124 COVINGTON ST, PANAMA CITY BEACH, FL 32413-2845 |
| Document Number | 0040321634 |
| Instrument Date | Jul 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 124 COVINGTON ST PANAMA CITY BEACH FL 324132845, PANAMA CITY BEACH, FL 32413-2845 |
| Document Number | 0040321634 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 004032/001634 |
| Instrument | 45193 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 29, 2048 |
The 2025 property tax bill for 124 Covington St was $3,358 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,358.00 Homeowner's exemption | $345,865 Land $102,233 Building $243,632 | $345,865 Land $102,233 Building $243,632 |
| 2023 | $3,704.00 (+14.85%) Homeowner's exemption | $327,996 (+17.13%) Land $82,030 Building $245,966 | $327,996 (+17.13%) Land $82,030 Building $245,966 |
| 2022 | $3,225.00 | $280,027 Land $75,666 Building $204,361 | $280,027 Land $75,666 Building $204,361 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 Covington St 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 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 File median of 175 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 175 in force |
| Nearby Flood Claims | 65 (1978–2022) |
| Claims Outside the SFHA | 47 of 65 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 124 Covington St is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 318 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 | 1,200 / 50 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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