Bay County property record for 1302 Stephen Dr, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,398 sqft · built 1988 |
| Lot Size | 0.25 acres (10,893 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $411 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14148-097-000 |
| Primary APN | 14148-097-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,398 sqft Living Area |
| Gross Area | 1,938 sqft |
| 1st Floor Area | 1,398 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,893 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1302 STEPHEN DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | NORTHSIDE ESTATES BEG 12.78 E OF NW COR L-24 TH SW 141.83 SELY 62.12 NE 199.81 W 105.27 TO POB. BEING PT LS 24 & 25. ORB 1125 P 55 MAP 91C1 BLK A ORB 4841 P 625 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 31 |
| Legal Subdivision | NORTHSIDE ESTATES |
| Legal Block | A |
| Legal Lot Number | 24 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1502 |
1302 Stephen Dr is owned and occupied by two individuals who acquired it in September 2024.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1302 STEPHEN DR, PANAMA CITY, FL 32405-3633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 16, 2024 |
| Transfer Doc | 0048410625 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1302 Stephen Dr was $411, up 4.3% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $411.00 (+4.31%) Homeowner's exemption Widower's exemption | $107,189 | $162,854 Land $31,470 Building $131,384 |
| 2024 | $394.00 (-65.32%) | ||
| 2023 | $1,136.00 (-5.73%) Homeowner's exemption Widower's exemption | $101,134 (+3%) | $123,075 (+11%) Land $23,393 Building $99,682 |
| 2022 | $1,205.00 Homeowner's exemption Widower's exemption | $98,188 | $110,878 Land $20,406 Building $90,472 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1302 Stephen Dr 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 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 |
|
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 1302 Stephen Dr 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 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.
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 |
| 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.
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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