Bay County property record for 134 Rusty Gans Dr, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,517 sqft · built 1993 |
| Lot Size | 0.507 acres (22,085 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,000 (Jul 2018) |
| Tax Bill | $1,912 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30197-901-000 |
| Primary APN | 30197-901-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,517 sqft Heated Area |
| Gross Area | 2,187 sqft |
| 1st Floor Area | 1,517 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 22,085 sqft (0.507 acres) |
| Lot Dimensions | 194 ft deep x 114 ft wide |
| Garage Area | 462 sqft |
| Driveway | Driveway |
| Driveway Area | 1,296 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 208 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 134 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 13 BLK D ORB 4031 P 1767 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | GRAND LAGOON SHORES |
| Legal Block | D |
| Legal Lot Number | 13 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 134 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Jul 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage INNOVATIONS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2018 · Amount on Record |
| Deed Sale | Jul 26, 2018 · Amount on Record |
| Prior Sale | May 24, 2016 · Amount on Record |
| Deed Document Number | 2018044542 |
| Deed Book / Page | 4031 / 1767 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 134 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 134 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Investor | Possibly a Property Investor |
| Document Number | 0043931397 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 4393/1397 |
| Instrument | 2021028930 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 26, 2018 |
| Property Address | 134 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0040311767 |
| Book / Page | 4031 / 1767 |
| Map Reference | MB13 PG29&30 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 2018044542 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | H & S TITLE AND ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 134 RUSTY GANS DR, 134, PANAMA CITY, FL 32408-4510 |
| Name | Verified Name |
|---|---|
| Address | 134 RUSTY GANS DR, PANAMA CITY, FL 32408-4510 |
| Document Number | 2018044543 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 2018044543 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
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 | $1,912.00 (+3.18%) Homeowner's exemption | $195,138 (+5.99%) | $250,950 (+8.4%) Land $90,287 Building $160,663 |
| 2023 | $1,853.00 (+11.22%) Homeowner's exemption | $184,115 (+3%) | $231,503 (+23.72%) Land $76,280 Building $155,223 |
| 2022 | $1,666.00 Homeowner's exemption | $178,752 | $187,123 Land $69,812 Building $117,311 |
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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