13652 Front Beach Rd, Panama City Beach, FL 32413 Property Records

Bay County property record for 13652 Front Beach Rd, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	7 bd · 7 ba · 4,528 sqft · built 2023
Lot Size	0.058 acres (2,570 sqft)
Owner	2 Individual Names on File
Last Sale	$1,800,000 (Oct 2022)
Tax Bill	$18,121 (2025)
Deeds & Mortgages	Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`34764-150-070`

Property Details

APN / Parcel Number

Primary APN	`34764-150-070`

Interior

Bedrooms	7 Beds
Full Baths	7 Baths
Stories	3 Stories
Building Area	4,528 sqft Total Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	2,570 sqft (0.058 acres)
Lot Dimensions	81 ft deep x 32 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	13652 FRONT BEACH RD
City	PANAMA CITY BEACH
State	FL
Zip	32413-3503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PANAMA CITY BEACH RESORT LOT 7 MARGARITAVILLE COTTAGES PH 2
Legal Subdivision	PANAMA CITY BEACH
Legal Phase	2
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1002
Census Tract	2711

Owner

13652 Front Beach Rd is owned by two individuals who bought it in October 2022.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	5128 HERON BAY BLVD, LOCUST GROVE, GA 30248-7008
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	3 Names on Deed
Last Sale	Oct 24, 2022 · Amount on File
Deed Sale	Oct 24, 2022 · Amount on File
Deed Document Number	2022077765
Deed Book / Page	4623 / 2299
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 24, 2022
Property Address	13652 FRONT BEACH RD, PANAMA CITY BEACH, FL 32413-3503
Document Number	0046232299
Book / Page	4623 / 2299
Map Reference	MB 28 PG 94&95
Instrument Date	Oct 19, 2022
Instrument	2022077765
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	PROVIDENT TITLE, PROVIDENT TITLE LLC

Transaction

Amount	Amount on Record
Tax	$12,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 SEASCAPE DR # 102, 102, MIRAMAR BEACH, FL 32550-3974

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5128 HERON BAY BLVD, LOCUST GROVE, GA 30248-7008

Tax Assessment & Valuation

The 2025 property tax bill for 13652 Front Beach Rd was $18,121.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City Beach
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,121.00	$1,660,424 Land $472,990 Building $1,187,434	$1,660,424 Land $472,990 Building $1,187,434
2023	$4,665.00 (+15.67%)	$400,000 (+6.21%) Land $400,000	$400,000 (+6.21%) Land $400,000
2022	$4,033.00	$376,608 Land $376,608	$376,608 Land $376,608

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 13652 Front Beach Rd 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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 105 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	4 (1995–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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

Wildfire risk around 13652 Front Beach Rd is low, with 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20