125 Byrd Dr, Panama City, FL 32404 Property Records

Bay County property record for 125 Byrd Dr, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,692 sqft · built 2000
Lot Size	0.245 acres (10,715 sqft)
Owner	Individual Name on File
Last Sale	$271,900 (Feb 2022)
Tax Bill	$3,381 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`15073-876-000`

Property Details

APN / Parcel Number

Primary APN	`15073-876-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,692 sqft Heated Area
Gross Area	2,368 sqft
1st Floor Area	1,692 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2020
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	10,715 sqft (0.245 acres)
Garage Area	540 sqft
Driveway	Driveway
Driveway Area	720 sqft
Porch	Porch
Porch Area	136 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	125 BYRD DR
City	PANAMA CITY
State	FL
Zip	32404-5987
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRITTANY WOODS PARK 118A4 LOT 46 BLK 2 ORB 4519 P 2102
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	BRITTANY WOODS PARK
Legal Block	2
Legal Lot Number	46
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1040
Census Tract	1100

Owner

125 Byrd Dr is owned and occupied by an individual who bought it in February 2022.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	125 BYRD DR, PANAMA CITY, FL 32404-5987
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2022 · Amount on File
Deed Sale	Feb 3, 2022 · Amount on File
Prior Sale	Jan 10, 2020 · Amount on File
Deed Document Number	0045192102
Deed Book / Page	4519 / 2102
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 3, 2022
Property Address	125 BYRD DR, PANAMA CITY, FL 32404-5987
Document Number	0045192102
Book / Page	4519 / 2102
Map Reference	MB 16 PG 71
Instrument Date	Feb 3, 2022
Instrument	2022008301
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,903.30
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1401 BUENA VISTA BLVD, 1401, PANAMA CITY, FL 32401-2027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 BYRD DR, PANAMA CITY, FL 32404-5987

Mortgage

Document Number	0045192104
Date	Feb 3, 2022
Instrument	4519/2104

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 125 Byrd Dr was $3,381.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,381.00	$246,954 Land $40,500 Building $206,454	$246,954 Land $40,500 Building $206,454
2023	$3,141.00 (+80.83%)	$226,163 (+68.1%) Land $30,270 Building $195,893	$226,163 (+68.1%) Land $30,270 Building $195,893
2022	$1,737.00	$134,539 Land $24,800 Building $109,739	$134,539 Land $24,800 Building $109,739

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 125 Byrd Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	18 (1998–2021)
Claims Outside the SFHA	10 of 18
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 8 claims Severe Storms And Flooding, Jul 2013 · 2 claims Hurricane Dennis, Jul 2005 · 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

Wildfire risk around 125 Byrd Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	May 2024
Lead	2 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 167 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20