124 Rusty Gans Dr, Panama City Beach, FL 32408 Property Records

Bay County property record for 124 Rusty Gans Dr, Panama City Beach, FL 32408

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,775 sqft · built 1993
Lot Size	0.339 acres (14,810 sqft)
Owner	Company Name on Record
Last Sale	$479,000 (Oct 2025)
Tax Bill	$1,387 (2025)
Deeds & Mortgages	Oct 2025 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30197-869-000`

Property Details

APN / Parcel Number

Primary APN	`30197-869-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,775 sqft Heated Area
Gross Area	2,515 sqft
1st Floor Area	1,775 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	165 ft deep x 90 ft wide
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	370 sqft

Exterior Amenities

Pool Area	544 sqft
Porch	Porch
Porch Area	210 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	124 RUSTY GANS DR
City	PANAMA CITY BEACH
State	FL
Zip	32408-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	GRAND LAGOON SHORES UNIT 2 LOT 8 BLK D ORB 1449 P 1616 58B1
Legal Range	15W
Legal Township	04S
Legal Section	06
Legal Subdivision	GRAND LAGOON SHORES
Legal Block	D
Legal Lot Number	8
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1008
Census Tract	2604

Owner

Source: Bay County records, as of January 23, 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	17255 HIGHWAY 65 NE, HAM LAKE, MN 55304-4802
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Deed Document Number	2025063473
Deed Book / Page	4968 / 2056
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 31, 2025
Property Address	124 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510
Document Number	0049682056
Book / Page	4968 / 2056
Map Reference	MB 14 PG 5
Instrument Date	Oct 30, 2025
Instrument	2025063473
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,353.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 GEORGIA AVE, LYNN HAVEN, FL 32444-1344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17255 HIGHWAY 65 NE, HAM LAKE, MN 55304-4802

Mortgage

Document Number	0049682058
Date	Oct 31, 2025
Instrument	4968/2058

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,387.00 (+0.65%) Homeowner's exemption	$152,442 (+2.9%)	$270,505 (+6.22%) Land $90,287 Building $180,218
2024	$1,378.00 (+2.07%) Homeowner's exemption	$148,146 (+3%)	$254,664 (+0.01%) Land $78,718 Building $175,946
2023	$1,350.00 (+11.2%) Homeowner's exemption	$143,831 (+3%)	$254,629 (+7.94%) Land $76,280 Building $178,349
2022	$1,214.00 Homeowner's exemption	$139,642	$235,902 Land $69,812 Building $166,090

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record median of 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	10 (1984–2020)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 455 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20