Bay County property record for 12709 Front Beach Rd, Panama City Beach, FL 32407
| Property Type | Restaurant |
|---|---|
| Details | 10,498 sqft · built 1970 |
| Lot Size | 0.932 acres (40,641 sqft) |
| Owner | Company Name on File |
| Tax Bill | $44,042 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | 34096-000-000 |
| Primary APN | 34096-000-000 |
|---|
| Total Rooms | 5 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 10,498 sqft Total Area |
| 1st Floor Area | 4,428 sqft |
| Interior Walls | Plywood |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 40,641 sqft (0.932 acres) |
| Lot Dimensions | 271 ft deep x 150 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 375 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 12709 FRONT BEACH RD |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32407-3309 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | PCB21 |
| Legal Description | 27 3S 16W -59-38A3 BEG 1484.12' S OF NW COR LOT 2 SE'LY 397.4' TO BEG TH SE'LY |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Lot Number | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 2711 |
12709 Front Beach Rd, a commercial property, is owned by a company.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 470205, CELEBRATION, FL 34747-0205 |
| Owner Type | Company |
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 | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 12709 Front Beach Rd was $44,042.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $44,042.00 | $4,713,643 Land $4,500,000 Building $213,643 | $4,713,643 Land $4,500,000 Building $213,643 |
| 2023 | $40,448.00 (+34.37%) | $4,359,782 (+37.33%) Land $4,125,000 Building $234,782 | $4,359,782 (+37.33%) Land $4,125,000 Building $234,782 |
| 2022 | $30,101.00 | $3,174,705 Land $2,925,000 Building $249,705 | $3,174,705 Land $2,925,000 Building $249,705 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12709 Front Beach Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 12709 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures