148 Eagle Trace Ct, Panama City Beach, FL 32413 Property Records

Bay County property record for 148 Eagle Trace Ct, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,124 sqft · built 2022
Lot Size	0.082 acres (3,572 sqft)
Owner	Trust Name on File
Tax Bill	$5,013 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35272-800-130`

Property Details

APN / Parcel Number

Primary APN	`35272-800-130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,124 sqft Heated Area
Gross Area	2,316 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,572 sqft (0.082 acres)
Lot Dimensions	80 ft deep x 45 ft wide
Driveway	Driveway
Driveway Area	760 sqft
Pool Area	200 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	148 EAGLE TRACE CT
City	PANAMA CITY BEACH
State	FL
Zip	32413-1261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OSPREY POINTE AT POWELL LOT 13 ORB 4687 P 2053
Legal Range	17W
Legal Township	02S
Legal Section	32
Legal Subdivision	OSPREY POINTE AT POWELL
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1012
Census Tract	2706

Owner

148 Eagle Trace Ct is held in a trust since May 2023.

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

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	3225 MCLEOD DR # 777, 777, LAS VEGAS, NV 89121-2257
Owner Type	Company
Vesting	Trust

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

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK
May 11, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 19, 2022	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Sep 12, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2023
Deed Sale	May 11, 2023
Prior Sale	Aug 19, 2022 · Amount on File
Deed Document Number	2023029257
Deed Book / Page	4687 / 2053
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	148 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2023 THOMAS DR, P C BEACH, FL 32408-5813

Mortgage

Document Number	0045230001
Date	Feb 11, 2022
Book Page	4523/1
Instrument	2022010345

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	PANAMA CITY BEACH, FL 32407

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 11, 2023
Property Address	148 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Document Number	0046872053
Book / Page	4687 / 2053
Map Reference	MB 26 PG 48
Instrument Date	May 1, 2023
Instrument	2023029257
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15808 98TH AVE NE, BOTHELL, WA 98011-7511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 MCLEOD DR # 777, 777, LAS VEGAS, NV 89121-2257

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Aug 19, 2022
Property Address	148 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Document Number	0046010118
Book / Page	4601 / 118
Map Reference	MB 26 PG 48
Instrument Date	Aug 11, 2022
Instrument	2022061947
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2023 THOMAS DR, PANAMA CITY BEACH, FL 32408-5813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15808 98TH AVE NE, BOTHELL, WA 98011-7511

Mortgage

Document Number	0004601120
Date	Aug 19, 2022
Instrument	4601/120

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	Other
Margin	3
Max Rate	11.1%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 12, 2019
Property Address	148 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Document Number	0041661940
Book / Page	004166 / 001940
Instrument Date	Sep 6, 2019
Instrument	80778
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,925.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 TALQUIN SHORES DR QUINCY FL 323516167, QUINCY, FL 32351-6167

Tax Assessment & Valuation

The 2025 property tax bill for 148 Eagle Trace Ct was $5,013.

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

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	$5,013.00	$407,824 Land $96,873 Building $310,951	$407,824 Land $96,873 Building $310,951
2023	$5,993.00 (+616.87%)	$476,204 (+558.65%) Land $71,159 Building $405,045	$476,204 (+558.65%) Land $71,159 Building $405,045
2022	$836.00	$72,300 Land $72,300	$72,300 Land $72,300

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

Flood

FEMA maps place 148 Eagle Trace Ct in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1988.

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 File median of 68 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	90 units insured incl. 22 condo units
Nearby Flood Claims	11 (1988–2020)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Hurricane Opal, Oct 1995 · 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 148 Eagle Trace Ct 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75

May also be available: AT&T.

Nearby Properties on Eagle Trace Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures