12401 Old Gristmill Rd, Ebro, FL 32437 Property Records

Bay County property record for 12401 Old Gristmill Rd, Ebro, FL 32437

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,404 sqft · built 2002
Lot Size	0.546 acres (23,783 sqft)
Owner	Individual Name on File
Last Sale	$119,900 (Oct 2025)
Tax Bill	$578 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35095-021-000`

Property Details

APN / Parcel Number

Primary APN	`35095-021-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,783 sqft (0.546 acres)
Lot Dimensions	140 ft deep x 170 ft wide
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12401 OLD GRISTMILL RD
City	EBRO
State	FL
Zip	32437-9649
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC02
Legal Description	22 1S 17W -6.21- 8D BEG 394.85 W OF SE COR SW1/4 OF SW1/4 TH W 170 N 140 E 170 S 140 TO POB ORB 4836 P 1266
Legal Range	17W
Legal Township	01S
Legal Section	22
Jurisdiction	BAY FL
Township / Civil Division	SOUTHPORT
Census Block Group	3
Census Block	3035
Census Tract	201

Owner

12401 Old Gristmill Rd, a mobile home, is owned by an individual who bought it in October 2025.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	4209 W 21ST ST, PANAMA CITY, FL 32405-1424
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2025 · Amount on File
Deed Sale	Oct 30, 2025 · Amount on File
Prior Sale	Aug 30, 2024 · Amount on File
Deed Document Number	202563159
Deed Book / Page	4968 / 651
Prior Transfer Date	Jun 6, 2024
Prior Transfer Doc	0048361266
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 30, 2025
Property Address	12401 OLD GRISTMILL RD, EBRO, FL 32437-9649
Document Number	0049680651
Book / Page	4968 / 651
Instrument Date	Oct 27, 2025
Instrument	2025063159
Transaction Type	Transfer
Record Updated	Nov 24, 2025
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$839.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1509 S BERTHE AVE, PANAMA CITY, FL 32404-9672

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4209 W 21ST ST, PANAMA CITY, FL 32405-1424

Mortgage

Document Number	0049680653
Date	Oct 30, 2025
Book Page	4968/653
Instrument	2025063160

Lender

Name	DRM TRUST LLC
Type	Non-Lending Institution
Address	PANAMA CITY, FL 32405

Agreement

Amount	Amount on Record
Term	60 Months
Due	Oct 27, 2030

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 12401 Old Gristmill Rd was $578, up 50.1% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$578.00 (+50.13%)	$46,740 Land $8,330 Building $38,410	$46,740 Land $8,330 Building $38,410
2024	$385.00 (-1.28%)
2023	$390.00 (+14.71%)	$28,008 (+7.55%) Land $8,330 Building $19,678	$28,008 (+7.55%) Land $8,330 Building $19,678
2022	$340.00	$26,043 Land $8,330 Building $17,713	$26,043 Land $8,330 Building $17,713

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

Flood

FEMA maps place 12401 Old Gristmill Rd 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 722 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	722 in force
Nearby Flood Claims	3 (2018–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation

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

Wildfire risk around 12401 Old Gristmill Rd is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Old Gristmill Rd

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