14045 Helms St, Ebro, FL 32437 Property Records

Bay County property record for 14045 Helms St, Ebro, FL 32437

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,800 sqft · built 2020
Lot Size	1.39 acres (60,896 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Dec 2025)
Tax Bill	$322 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Sep 2025 Mortgage
Flood Zone	Zone AE (high risk)
APN	`35074-145-000`

Property Details

APN / Parcel Number

Primary APN	`35074-145-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	60,896 sqft (1.39 acres)
Lot Dimensions	300 ft deep x 203 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	72 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14045 HELMS ST
City	EBRO
State	FL
Zip	32437
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC02
Legal Description	20 1S 17W -1.35A- 1D BEG 1450 E, 630 N & 147.17W OF SW COR OF SEC TH CONT WEST 202.83 S 300 E 186.52 N 300. 25 TO POB PT OF LOTS 5 & 6 ORB 2766 P 2350-2351 ORB 2799 P 1612
Legal Range	17W
Legal Township	01S
Legal Section	20
Legal Subdivision	OTTER CRK UN 01
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	SOUTHPORT
Census Block Group	3
Census Block	3040
Census Tract	201

Owner

Source: Bay County records, as of January 15, 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
Mailing Address	3419 PRETTY BAYOU CT, PANAMA CITY, FL 32405-1750
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Special Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 30, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Deed Document Number	202575836
Deed Book / Page	4988 / 313
Prior Transfer Date	Aug 18, 2025
Prior Transfer Doc	0049571896
Record Updated	Jun 8, 2026

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 30, 2025
Property Address	14045 HELMS ST, VERNON, FL 32462-6335
Document Number	0049880313
Book / Page	4988 / 313
Instrument Date	Dec 26, 2025
Instrument	2025075836
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	WATERSOUND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14045 HELMS ST, VERNON, FL 32462-6335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3419 PRETTY BAYOU CT, PANAMA CITY, FL 32405-1750

Mortgage

Document Number	0004988316
Date	Dec 30, 2025
Instrument	4988/316

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Sep 30, 2025
Property Address	14045 HELMS ST, VERNON, FL 32462-6335
Document Number	0049571896
Book / Page	4957 / 1896
Instrument Date	Aug 18, 2025
Instrument	2025056451
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	UNKNOWN, NEXT CHAPTER TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12717 SLOHN SWEET DR, VERNON, FL 32462

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14045 HELMS ST, VERNON, FL 32462-6335

Mortgage

Document Number	0049571898
Date	Sep 30, 2025
Instrument	4957/1898

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

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

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	$322.00 (-9.04%) Homeowner's exemption	$52,535 (+2.9%)	$129,873 (+2.1%) Land $11,571 Building $118,302
2024	$354.00 (+2.02%) Homeowner's exemption	$51,054 (+3%)	$127,202 (-4.67%) Land $11,571 Building $115,631
2023	$347.00 (+13.4%) Homeowner's exemption	$49,567 (+3%)	$133,436 (+5.38%) Land $11,571 Building $121,865
2022	$306.00 Homeowner's exemption	$48,123	$126,629 Land $11,571 Building $115,058

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 722 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	722 in force
Nearby Flood Claims	3 (2018–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation

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	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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