12608 Front Beach Rd, Panama City Beach, FL 32407 Property Records

Bay County property record for 12608 Front Beach Rd, Panama City Beach, FL 32407

Property Summary

Property Type	Retail Store
Details	2,028 sqft · built 1946
Lot Size	0.179 acres (7,797 sqft)
Owner	Company Name on File
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Sep 2022 Refinance Dec 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34058-000-000`

Property Details

APN / Parcel Number

Primary APN	`34058-000-000`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,028 sqft Gross Area
1st Floor Area	2,028 sqft
Flooring	Cork
Interior Walls	Paneling

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Shed Roof
Roof Material	Other
Lot Area	7,797 sqft (0.179 acres)
Lot Dimensions	170 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12608 FRONT BEACH RD
City	PANAMA CITY BEACH
State	FL
Zip	32407-3308
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PCB22
Legal Description	27 3S 16W-19- BEG 200 N OF C LINE US 98 AT 906.5 WLY LOT 1 ORIG DIAG LINE & EXT WLY 60 & SLY TO HWAY PART OF ORB 150 P 718 ORB 4606 P 1819
Legal Range	16W
Legal Township	03S
Legal Section	27
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1015
Census Tract	2711

Owner

12608 Front Beach Rd, a commercial property, is owned by a company that acquired it in September 2022.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	901 BOLL WEEVIL CIR, ENTERPRISE, AL 36330-1314
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
Sep 2, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance SYNOVUS BANK
Dec 13, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Dec 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 1, 2022
Transfer Doc	0046061819
Record Updated	Sep 20, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 2, 2022
Property Address	12608 FRONT BEACH RD, PANAMA CITY BEACH, FL 32407-3308
Document Number	0046061819
Book / Page	4606 / 1819
Instrument Date	Sep 1, 2022
Instrument	2022065825
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 15005, PANAMA CITY, FL 32406-5005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	901 BOLL WEEVIL CIR, ENTERPRISE, AL 36330-1314

Mortgage

Document Number	0046061835
Date	Sep 2, 2022
Instrument	4606/1835

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 13, 2017
Property Address	12608 FRONT BEACH RD, PANAMA CITY BEACH, FL 32407-3308
Document Number	0039630170
Book / Page	003963 / 000170
Instrument Date	Dec 1, 2017
Instrument	71741
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15325 FRONT BEACH RD PANAMA CITY BEACH FL 324133527, PANAMA CITY BEACH, FL 32413-3527

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Dec 13, 2017
Property Address	12608 FRONT BEACH RD, PANAMA CITY BEACH, FL 32407-3308
Document Number	0039630159
Book / Page	003963 / 000159
Instrument Date	Dec 1, 2017
Instrument	71737
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15325 FRONT BEACH RD ROSEMARY BEACH FL 324133527, ROSEMARY BEACH, FL 32413-3527

Tax Assessment & Valuation

The 2025 property tax bill for 12608 Front Beach Rd was $2,961, down 11.1% from the year before.

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	$2,961.00 (-11.13%)	$271,326 Land $193,060 Building $78,266	$271,326 Land $193,060 Building $78,266
2024	$3,332.00 (-2%)
2023	$3,400.00 (+12.32%)	$278,006 (-0.95%) Land $193,059 Building $84,947	$278,006 (-0.95%) Land $193,059 Building $84,947
2022	$3,027.00	$280,679 Land $193,059 Building $87,620	$280,679 Land $193,059 Building $87,620

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

Flood

FEMA maps place 12608 Front Beach 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 105 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	4 (1995–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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 12608 Front Beach Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 0.01% 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	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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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