125 E Sonata Cir, Panama City Beach, FL 32413 Property Records

Bay County property record for 125 E Sonata Cir, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,793 sqft · built 1996
Lot Size	0.183 acres (7,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Jan 2023)
Tax Bill	$4,019 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`33981-000-000`

Property Details

APN / Parcel Number

Primary APN	`33981-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,793 sqft Living Area
Gross Area	2,234 sqft
1st Floor Area	1,193 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,971 sqft (0.183 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	444 sqft
Porch	Unfinished Open Porch
Porch Area	508 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	125 E SONATA CIR
City	PANAMA CITY BEACH
State	FL
Zip	32413-2660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB14
Legal Description	OPEN SANDS (61.1) LOTS 61 & S 30 LOT 62 BLK K ORB 4649 P 1716
Legal Range	16W
Legal Township	03S
Legal Section	21
Legal Subdivision	OPEN SANDS
Legal Block	K
Legal Lot Number	61,62
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	2
Census Block	2019
Census Tract	2711

Owner

Source: Bay County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	23 BENNETT ST, BRYSON CITY, NC 28713-7540
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN HERITAGE LENDING INC
Jun 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage KIAVI FUNDING INC
Jan 19, 2022	Warranty Deed, Transfer · Line of Credit KIAVI FUNDING INC
Mar 5, 2020	Deed of Trust, Mortgage · VA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Nov 29, 2017	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Prior Sale	Jan 19, 2022 · Amount on Record
Deed Document Number	20233516
Deed Book / Page	4649 / 1716
Prior Transfer Date	May 24, 2011
Prior Transfer Doc	0033251180
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 20, 2023
Property Address	125 E SONATA CIR, PANAMA CITY BEACH, FL 32413-2660
Document Number	0046491716
Book / Page	4649 / 1716
Map Reference	MB 8 PG 67
Instrument Date	Jan 18, 2023
Instrument	2023003516
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4092, FORT WALTON BEACH, FL 32549-4092

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23 BENNETT ST, BRYSON CITY, NC 28713-7540

Mortgage

Document Number	0046491718
Date	Jan 20, 2023
Instrument	4649/1718

Lender

Name	AMERICAN HERITAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2063

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	125 E SONATA CIR, PANAMA CITY BEACH, FL 32413-2660
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4092, FORT WALTON BEACH, FL 32549-4092

Mortgage

Document Number	0045810123
Date	Jun 27, 2022
Book Page	4581/123
Instrument	2022047977

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 19, 2022
Property Address	125 E SONATA CIR, PANAMA CITY BEACH, FL 32413-2660
Document Number	0045130406
Book / Page	4513 / 406
Map Reference	MB 8 PG 67
Instrument Date	Jan 6, 2022
Instrument	2022004265
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	SOUTH OAK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,936.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 E SONATA CIR, 125, PANAMA CITY BEACH, FL 32413-2660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 E SONATA CIR, PANAMA CITY BEACH, FL 32413-2660

Mortgage

Document Number	0004513409
Date	Jan 19, 2022
Instrument	4513/409

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	125 E SONATA CIR, PANAMA CITY BEACH, FL 32413-2660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042290973
Date	Mar 5, 2020
Book Page	4229/973
Instrument	2020016924

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 29, 2017
Property Address	125 E SONATA CIR, PANAMA CITY BEACH, FL 32413-2660
Document Number	0039582137
Book / Page	3958 / 2137
Map Reference	MB8 PG67
Instrument Date	Nov 27, 2017
Instrument	2017068817
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 EVANS MILL DR STE 204, 110, DALLAS, GA 30157-1624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	969 AVONLEY CREEK TRCE, SUGAR HILL, GA 30518-1010

Mortgage

Document Number	2017068818
Date	Nov 29, 2017
Instrument	2017068818

Lender

Name	WELLS FARGO BANK NA
Type	Undisclosed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,019.00 (-5.39%)	$368,283 (+6.29%) Land $149,280 Building $219,003	$368,283 (+6.29%) Land $149,280 Building $219,003
2024	$4,248.00 (+0.69%)
2023	$4,219.00 (+25.68%)	$346,501 (+17.74%) Land $128,560 Building $217,941	$346,501 (+17.74%) Land $128,560 Building $217,941
2022	$3,357.00	$294,301 Land $122,640 Building $171,661	$294,301 Land $122,640 Building $171,661

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 225 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,288 units insured incl. 1,063 condo units
Nearby Flood Claims	6 (1998–2021)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Apr 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect 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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, LiveOak Fiber.

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