1301 Stephen Dr, Panama City, FL 32405 Property Records

Bay County property record for 1301 Stephen Dr, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,371 sqft · built 1992
Lot Size	0.098 acres (4,269 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Oct 2023)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14148-207-000`

Property Details

APN / Parcel Number

Primary APN	`14148-207-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,371 sqft Heated Area
Gross Area	2,127 sqft
1st Floor Area	1,371 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,269 sqft (0.098 acres)
Lot Dimensions	100 ft deep x 43 ft wide
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	1,000 sqft
Porch	Porch
Porch Area	294 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1301 STEPHEN DR
City	PANAMA CITY
State	FL
Zip	32405-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	NORTHSIDE ESTATES 91C1 LOT 32 SUBJ TO ESMT IN NE COR TO CITY OF PC BLK D
Legal Range	14W
Legal Township	03S
Legal Section	31
Legal Subdivision	NORTHSIDE ESTATES
Legal Block	D
Legal Lot Number	32
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3009
Census Tract	1502

Owner

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
Co-owner	Co-owner on Record
Mailing Address	1301 STEPHEN DR, PANAMA CITY, FL 32405-3634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
Feb 15, 2022	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023 · Amount on Record
Deed Sale	Oct 10, 2023 · Amount on Record
Prior Sale	Feb 15, 2022 · Amount on Record
Deed Document Number	2023064164
Deed Book / Page	4738 / 1735
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 10, 2023
Property Address	1301 STEPHEN DR, PANAMA CITY, FL 32405-3634
Document Number	0047381735
Book / Page	4738 / 1735
Map Reference	MB 14 PG 72
Instrument Date	Oct 6, 2023
Instrument	2023064164
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 STEPHEN DR, PANAMA CITY, FL 32405-3634

Mortgage

Document Number	0047381737
Date	Oct 10, 2023
Instrument	4738/1737

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 15, 2022
Property Address	1301 STEPHEN DR, PANAMA CITY, FL 32405-3634
Document Number	0045232028
Book / Page	4523 / 2028
Map Reference	MB 14 PG 72
Instrument Date	Feb 9, 2022
Instrument	2022010918
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 STEPHEN DR, PANAMA CITY, FL 32405-3634

Mortgage

Document Number	0045232033
Date	Feb 15, 2022
Instrument	4523/2033

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,724.00 (-0.69%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$219,558 (+50.84%)	$227,607 (+56.37%) Land $24,208 Building $203,399
2023	$2,743.00 (+3.86%)	$145,557 (-5.86%) Land $17,995 Building $127,562	$145,557 (-5.86%) Land $17,995 Building $127,562
2022	$2,641.00	$154,623 Land $15,697 Building $138,926	$154,623 Land $15,697 Building $138,926

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

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	15 (1982–2022)
Claims Outside the SFHA	13 of 15
Most Recent Claim	Sep 2022 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 3 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 99.8% of the US · lower than 99.7% 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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50

May also be available: AT&T, T-Mobile, Verizon.

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