1330 Stephen Dr, Panama City, FL 32405 Property Records

Bay County property record for 1330 Stephen Dr, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,566 sqft · built 1986
Lot Size	0.119 acres (5,183 sqft)
Owner	2 Individual Names on File
Last Sale	$166,500 (Dec 2020)
Tax Bill	$1,859 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14148-071-000`

Property Details

APN / Parcel Number

Primary APN	`14148-071-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,566 sqft Living Area
1st Floor Area	1,566 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,183 sqft (0.119 acres)
Lot Dimensions	118 ft deep x 44 ft wide
Driveway	Driveway
Porch	Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1330 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 ESTATE THE E 42 LOT 11 & W 2LOT 12 ORB 4336 P 2113
Legal Range	14W
Legal Township	03S
Legal Section	31
Legal Subdivision	NORTHSIDE ESTATE
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3009
Census Tract	1502

Owner

1330 Stephen Dr is owned and occupied by two individuals who bought it in December 2020.

Source: Bay County records, as of January 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1330 STEPHEN DR, PANAMA CITY, FL 32405-3633
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Mar 14, 2012 · Amount on File
Deed Document Number	202084146
Deed Book / Page	4336 / 2113
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 11, 2020
Property Address	1330 STEPHEN DR, PANAMA CITY, FL 32405-3633
Document Number	0043362113
Book / Page	4336 / 2113
Map Reference	MB 14 PG 72
Instrument Date	Nov 23, 2020
Instrument	2020084146
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,165.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1304 CORNELL DR, 1304, PANAMA CITY, FL 32405-3511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1330 STEPHEN DR, PANAMA CITY, FL 32405-3633

Mortgage

Document Number	0043362115
Date	Dec 11, 2020
Instrument	4336/2115

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1330 Stephen Dr was $1,859 with a homeowner's exemption, down 4.3% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$1,859.00 (-4.27%) Homeowner's exemption	$159,784	$175,988 Land $24,208 Building $151,780
2024	$1,942.00 (-6.41%)
2023	$2,075.00 (+3.65%) Homeowner's exemption	$150,758 (+3%)	$163,246 (+10.16%) Land $17,995 Building $145,251
2022	$2,002.00 Homeowner's exemption	$146,368	$148,190 Land $15,697 Building $132,493

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

Flood

FEMA maps place 1330 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	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

Wildfire risk around 1330 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.

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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