Bay County property record for 130 Rusty Gans Dr, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,534 sqft · built 1997 |
| Lot Size | 0.444 acres (19,384 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Mar 2020) |
| Tax Bill | $3,646 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30197-897-000 |
| Primary APN | 30197-897-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,534 sqft Heated Area |
| Gross Area | 2,529 sqft |
| 1st Floor Area | 1,534 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 19,384 sqft (0.444 acres) |
| Lot Dimensions | 183 ft deep x 106 ft wide |
| Garage Area | 399 sqft |
| Driveway | Driveway |
| Driveway Area | 1,040 sqft |
| Pool Area | 392 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 240 sqft |
| Patio Area | 216 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 130 RUSTY GANS DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-4510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | GRAND LAGOON SHORES UNIT 3 LOT 11 BLK D ORB 4234 P 1794 58B1 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | GRAND LAGOON SHORES |
| Legal Block | D |
| Legal Lot Number | 11 |
| Legal Unit | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 2604 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 130 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FBT MORTGAGE LLC |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional with PMI FBT MTG |
| Mar 19, 2020 | Personal Representative Deed, Transfer · Conventional Mortgage FBT MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2020 · Amount on Record |
| Deed Sale | Mar 19, 2020 · Amount on Record |
| Deed Document Number | 2020020752 |
| Deed Book / Page | 4234 / 1794 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 130 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2024 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 130 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0043791538 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 4379/1538 |
| Instrument | 2021020643 |
| Name | FBT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | OCEAN SPRINGS, MS 39564 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 130 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0042341796 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 130 RUSTY GANS DR PANAMA CITY BEACH FL 324084510, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0042341796 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 004234/001796 |
| Instrument | 20753 |
| Name | FBT MTG |
|---|---|
| Type | Mortgage Company |
| Address | OCEAN SPRINGS, MS 39564 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 18, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 19, 2020 |
| Property Address | 130 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0042341794 |
| Book / Page | 4234 / 1794 |
| Map Reference | MB 13 PG 29 |
| Instrument Date | Mar 18, 2020 |
| Instrument | 2020020752 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 130 RUSTY GANS DR, PANAMA CITY, FL 32408-4510 |
| Document Number | 0042341796 |
|---|---|
| Date | Mar 19, 2020 |
| Instrument | 4234/1796 |
| Name | FBT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Apr 1, 2023 |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,646.00 (+2.65%) | $296,626 (+5.58%) Land $90,287 Building $206,339 | $296,626 (+5.58%) Land $90,287 Building $206,339 |
| 2023 | $3,552.00 (+15.66%) | $280,947 (+7.2%) Land $76,280 Building $204,667 | $280,947 (+7.2%) Land $76,280 Building $204,667 |
| 2022 | $3,071.00 | $262,074 Land $69,812 Building $192,262 | $262,074 Land $69,812 Building $192,262 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 10 (1984–2020) |
| Claims Outside the SFHA | 10 of 10 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 292 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 Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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