Bay County property record for 145 Rusty Gans Dr, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,485 sqft · built 2003 |
| Lot Size | 0.408 acres (17,816 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $569,000 (Jan 2023) |
| Tax Bill | $5,734 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 30197-845-000 |
| Primary APN | 30197-845-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,485 sqft Heated Area |
| Gross Area | 3,729 sqft |
| 1st Floor Area | 1,250 sqft |
| 2nd Floor Area | 1,235 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 17,816 sqft (0.408 acres) |
| Lot Dimensions | 165 ft deep x 108 ft wide |
| Garage Area | 864 sqft |
| Driveway | Driveway |
| Driveway Area | 2,754 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 380 sqft |
| Patio Area | 100 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 145 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 21 BLK C ORB 4649 P 300 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | GRAND LAGOON SHORES |
| Legal Block | C |
| Legal Lot Number | 21 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1009 |
| 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 | 145 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| Sep 10, 2019 | Warranty Deed, Transfer · Conventional with PMI NAVY FCU |
| Nov 14, 2018 | Warranty Deed, Transfer OTHER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2023 · Amount on Record |
| Deed Sale | Jan 18, 2023 · Amount on Record |
| Prior Sale | Sep 10, 2019 · Amount on Record |
| Deed Document Number | 2023003066 |
| Deed Book / Page | 4649 / 300 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 18, 2023 |
| Property Address | 145 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529 |
| Document Number | 0046490300 |
| Book / Page | 4649 / 300 |
| Map Reference | MB 13 PG 27&28 |
| Instrument Date | Jan 12, 2023 |
| Instrument | 2023003066 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,983.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 145 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529 |
| Name | Verified Name |
|---|---|
| Address | 5004 THOMAS DR UNIT 2302, 2302, PANAMA CITY BEACH, FL 32408-6998 |
| Document Number | 0004649302 |
|---|---|
| Date | Jan 18, 2023 |
| Instrument | 4649/302 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 5, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 10, 2019 |
| Property Address | 145 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529 |
| Document Number | 0041652080 |
| Book / Page | 004165 / 002080 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 79988 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2019 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,429.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3212C CAISSON WAY DOVER NJ 078015744, DOVER, NJ 07801-5744 |
| Document Number | 41652082 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 004165/002082 |
| Instrument | 79989 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 9, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 14, 2018 |
| Property Address | 145 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529 |
| Document Number | 0040600573 |
| Book / Page | 004060 / 000573 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 65029 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,303.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 145 RUSTY GANS DR PANAMA CITY BEACH FL 324084529, PANAMA CITY BEACH, FL 32408-4529 |
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 | $5,734.00 (+59.32%) Homeowner's exemption | $506,009 (+53.93%) Land $90,287 Building $415,722 | $506,009 (+19.74%) Land $90,287 Building $415,722 |
| 2023 | $3,599.00 (+11.36%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $328,726 (+3%) | $422,584 (+19.62%) Land $76,280 Building $346,304 |
| 2022 | $3,232.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $319,151 | $353,277 Land $69,812 Building $283,465 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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