127 Ryder Ln, Panama City, FL 32404 Property Records

Bay County property record for 127 Ryder Ln, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,867 sqft · built 2022
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$299,825 (Sep 2022)
Tax Bill	$2,911 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`07379-925-250`

Property Details

APN / Parcel Number

Primary APN	`07379-925-250`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,867 sqft Heated Area
Gross Area	2,486 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,492 sqft (0.171 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Driveway	Driveway
Driveway Area	561 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	127 RYDER LN
City	PANAMA CITY
State	FL
Zip	32404-9817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DUNES AT BRIDGE HARBOR LOT 50 ORB 4611 P 568
Legal Lot Number	50
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2014
Census Tract	806

Owner

Source: Bay County records, as of January 23, 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	Individual Name on Record
Mailing Address	127 RYDER LN, PANAMA CITY, FL 32404-9817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2022 · Amount on Record
Deed Sale	Sep 16, 2022 · Amount on Record
Deed Document Number	2022068977
Deed Book / Page	4611 / 568
Record Updated	Jun 8, 2026

September 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 16, 2022
Property Address	127 RYDER LN, PANAMA CITY, FL 32404-9817
Document Number	0046110568
Book / Page	4611 / 568
Map Reference	MB 28 PG 54-60
Instrument Date	Sep 15, 2022
Instrument	2022068977
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 15, 2024
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14251 PANAMA CITY BEACH PKWY, PANAMA CITY BEACH, FL 32413-2820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 RYDER LN, PANAMA CITY, FL 32404-9817

Mortgage

Document Number	0004611572
Date	Sep 16, 2022
Instrument	4611/572

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

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	$2,911.00 (+1.57%) Homeowner's exemption	$253,281 (+2.77%)	$253,652 (+2.93%) Land $53,400 Building $200,252
2023	$2,866.00 (+1,585.88%) Homeowner's exemption	$246,443 (+1,765.58%) Land $56,900 Building $189,543	$246,443 (+1,765.58%) Land $56,900 Building $189,543
2022	$170.00	$13,210 Land $13,210	$13,210 Land $13,210

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

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 319 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	319 in force
Nearby Flood Claims	55 (1995–2023)
Claims Outside the SFHA	9 of 55
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Hurricane Michael, Oct 2018 · 34 claims Hurricane Opal, Oct 1995 · 4 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20