133 Rusty Gans Dr, Panama City Beach, FL 32408 Property Records

Bay County property record for 133 Rusty Gans Dr, Panama City Beach, FL 32408

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,561 sqft · built 1980
Lot Size	0.416 acres (18,121 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Feb 2018)
Tax Bill	$1,843 (2025)
Deeds & Mortgages	Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`30197-805-000`

Property Details

APN / Parcel Number

Primary APN	`30197-805-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,561 sqft Heated Area
Gross Area	2,714 sqft
1st Floor Area	1,561 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	18,121 sqft (0.416 acres)
Lot Dimensions	165 ft deep x 110 ft wide
Garage Area	775 sqft

Exterior Amenities

Pool Area	338 sqft
Porch	Porch
Porch Area	378 sqft
Deck Area	156 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	133 RUSTY GANS DR
City	PANAMA CITY BEACH
State	FL
Zip	32408-4529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	GRAND LAGOON SHORES UNIT 2 LOT 1 BLK C ORB 3979 P 182 58B1
Legal Range	15W
Legal Township	04S
Legal Section	06
Legal Subdivision	GRAND LAGOON SHORES
Legal Block	C
Legal Lot Number	1
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1009
Census Tract	2604

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	2 Individual Names on Record
Mailing Address	133 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2018 · Amount on Record
Deed Sale	Feb 13, 2018 · Amount on Record
Deed Document Number	2018008234
Deed Book / Page	3979 / 0182
Record Updated	Jun 8, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 13, 2018
Property Address	133 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Document Number	0039790182
Book / Page	003979 / 000182
Instrument Date	Feb 9, 2018
Instrument	8234
Transaction Type	Transfer
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,295.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	133 RUSTY GANS DR PANAMA CITY BEACH FL 324084529, PANAMA CITY BEACH, FL 32408-4529

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,843.00 (+3.37%) Homeowner's exemption Disabled Person's exemption	$194,470 (+5.99%)	$263,725 (+28.5%) Land $90,287 Building $173,438
2023	$1,783.00 (+7.86%) Homeowner's exemption Disabled Person's exemption	$183,484 (+3%)	$205,232 (+9.36%) Land $76,280 Building $128,952
2022	$1,653.00 Homeowner's exemption Disabled Person's exemption	$178,140	$187,675 Land $69,812 Building $117,863

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
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	Hurricane Michael, Oct 2018 · 2 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 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.

Drinking Water

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

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 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