Bay County property record for 126 Circle Dr, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,711 sqft · built 1976 |
| Lot Size | 0.273 acres (11,891 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Apr 2022) |
| Tax Bill | $2,201 (2025) |
| Deeds & Mortgages | Apr 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 33173-010-000 |
| Primary APN | 33173-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,711 sqft Living Area |
| 1st Floor Area | 1,711 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,891 sqft (0.273 acres) |
| Lot Dimensions | 159 ft deep x 75 ft wide |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 126 CIRCLE DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-5210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PCB13 |
| Legal Description | GULF HIGHLANDS UNIT 2 LOT 10 BLK 7 ORB 4547 P 125 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 18 |
| Legal Subdivision | GULF HIGHLANDS |
| Legal Block | 7 |
| Legal Lot Number | 10 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 2709 |
126 Circle Dr is owned and occupied by two individuals who bought it in April 2022.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 126 CIRCLE DR, PANAMA CITY BEACH, FL 32413-5210 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2022 · Amount on File |
| Deed Sale | Apr 6, 2022 · Amount on File |
| Prior Sale | Dec 1, 2005 · Amount on File |
| Deed Document Number | 202225521 |
| Deed Book / Page | 4547 / 125 |
| Prior Transfer Date | Nov 23, 2005 |
| Prior Transfer Doc | 0027631925 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 6, 2022 |
| Property Address | 126 CIRCLE DR, PANAMA CITY BEACH, FL 32413-5210 |
| Document Number | 0045470125 |
| Book / Page | 4547 / 125 |
| Map Reference | MB 8 PG 93 |
| Instrument Date | Apr 1, 2022 |
| Instrument | 2022025521 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,205.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1902 NEW HAMPSHIRE AVE, LYNN HAVEN, FL 32444-4510 |
| Name | Verified Name |
|---|---|
| Address | 1319 GEORGE AVE, JEFFERSON CITY, TN 37760-2719 |
The 2025 property tax bill for 126 Circle Dr was $2,201 with a homeowner's exemption, down 12.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City Beach |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,201.00 (-12.94%) Homeowner's exemption | $239,858 | $310,961 Land $113,152 Building $197,809 |
| 2024 | $2,528.00 (-26.72%) | ||
| 2023 | $3,450.00 (+132.95%) | $280,489 (+81.82%) Land $95,096 Building $185,393 | $280,489 (+26.22%) Land $95,096 Building $185,393 |
| 2022 | $1,481.00 Homeowner's exemption | $154,264 | $222,229 Land $78,083 Building $144,146 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 126 Circle Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.
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 File median of 122 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 393 units insured incl. 271 condo units |
| Nearby Flood Claims | 2 (2020) |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 126 Circle Dr is moderate, ranking above 52% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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