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125 Rusty Gans Dr, Panama City, FL 32408 Property Records

Bay County property record for 125 Rusty Gans Dr, Panama City, FL 32408 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,114 sqft · built 1992
Lot Size0.383 acres (16,683 sqft)
Owner2 Individual Names on File
Last Sale$550,000 (Dec 2024)
Tax Bill$1,912 (2025)
Deeds & MortgagesMar 2026 Mortgage
Oct 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN30197-811-000

Property Details

APN / Parcel Number

Primary APN30197-811-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,114 sqft Living Area
Gross Area2,620 sqft
1st Floor Area2,114 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 2012
Exterior MaterialWood
Roof TypeCathedral/Clerestory
Roof MaterialOther
Lot Area16,683 sqft (0.383 acres)
Lot Dimensions162 ft deep x 103 ft wide
Garage TypeAttached
Garage Area506 sqft
DrivewayDriveway
Driveway Area240 sqft

Exterior Amenities

Pool Area392 sqft
PorchOpen Porch
Porch Area244 sqft
Patio Area584 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address125 RUSTY GANS DR
CityPANAMA CITY
StateFL
Zip32408-4529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAND LAGOON SHORES UNIT 2 LOT 4 BLK C ORB 4010 P 2262
Legal Range15W
Legal Township04S
Legal Section06
Legal SubdivisionGRAND LAGOON SHORES
Legal BlockC
Legal Lot Number4
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1009
Census Tract2604

Owner

Source: Bay County records · APN 30197-811-000

Assessment roll updated January 5, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address225 SHERRY DR, ATLANTIC BEACH, FL 32233-5237
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Oct 04, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 23, 2018Deed of Trust, Mortgage · Commercial Mortgage
FIRST STATE BANK
May 06, 2019Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN MORTGAGE SERVICES

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 26, 2024 · Amount on Record
Deed SaleDec 26, 2024 · Amount on Record
Prior SaleMay 23, 2018 · Amount on Record
Deed Document Number202474338
Deed Book / Page4870 / 1949
Record UpdatedJun 08, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address125 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Transaction TypeMortgage
Record UpdatedMar 25, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address125 RUSTY GANS DR, PANAMA CITY, FL 32408-4529

Mortgage

Document Number0050121378
DateMar 13, 2026
Book Page5012/1378
Instrument2026015373
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 01, 2041

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address125 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Transaction TypeMortgage
Record UpdatedJan 15, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address125 RUSTY GANS DR, PANAMA CITY, FL 32408-4529

Mortgage

Document Number0044680873
DateOct 04, 2021
Book Page4468/873
Instrument2021075617
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2051

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address125 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySHORELINE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040300499
DateJul 23, 2018
Book Page4030/0499
Instrument2018043406
Lender
NameFIRST STATE BANK
TypeBank
AddressCENTRAL CITY, KY 42330
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address125 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0041200036
DateMay 06, 2019
Book Page4120/0036
Instrument2019044187
Lender
NameAMERICAN MORTGAGE SERVICES
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2049

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,912.00 (-37.23%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$200,108 (-27.39%)$450,999 (+51.94%) Land $90,287 Building $360,712
2024$3,046.00 (+1.63%)
2023$2,997.00 (+11.25%) Homeowner's exemption$275,601 (+3%)$296,826 (+8.22%) Land $76,280 Building $220,546
2022$2,694.00 Homeowner's exemption$267,574$274,282 Land $69,812 Building $204,470

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050026041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 27 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies27 in force
Nearby Flood Claims10 (1984–2020)
Claims Outside the SFHA10 of 10
Most Recent ClaimSep 2020, rainfall accumulation, Hurricane Sally
Claims By Storm
  • Hurricane Michael, Oct 2018 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 292 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 2,000
WOW Internet, Cable & PhoneCable1,200 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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