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

Bay County property record for 149 Eagle Trace Ct, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,164 sqft · built 2022
Lot Size	0.079 acres (3,441 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Aug 2026)
Tax Bill	$40 (2024)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35272-800-090`

Property Details

APN / Parcel Number

Primary APN	`35272-800-090`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	1,164 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,441 sqft (0.079 acres)
Lot Dimensions	77 ft deep x 45 ft wide
Driveway	Driveway
Driveway Area	384 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	149 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 9 ORB 4548 P 1226
Legal Range	17W
Legal Township	02S
Legal Section	32
Legal Subdivision	OSPREY POINTE AT POWELL
Legal Lot Number	9
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1012
Census Tract	2706

Owner

149 Eagle Trace Ct is owned and occupied by two individuals who bought it in August 2026.

Source: Bay County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	742 LEE ROAD 2017, PHENIX CITY, AL 36870-7064
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 25, 2026	Warranty Deed, Transfer · Conventional Mortgage WL PROPERTIES LLC
Apr 11, 2022	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Jun 26, 2020	Warranty Deed, Transfer FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on File
Deed Sale	Aug 25, 2026 · Amount on File
Prior Sale	Apr 11, 2022 · Amount on File
Deed Document Number	202652691
Deed Book / Page	5071 / 2367
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 25, 2026
Property Address	149 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Document Number	0000052691
Book / Page	5071 / 2367
Instrument Date	Aug 25, 2026
Instrument	202652691
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258,055.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	742 LEE ROAD 2017, PHENIX CITY, AL 36870-7064

Mortgage

Document Number	0000052692,
Date	Aug 25, 2026
Instrument	202652692

Lender

Name	WL PROPERTIES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Sep 1, 2029

Interest

Rate	7.5%
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 11, 2022
Property Address	149 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Document Number	0045481226
Book / Page	4548 / 1226
Map Reference	MB 26 PG 48
Instrument Date	Apr 6, 2022
Instrument	2022026514
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TTL LLC SANTA ROSA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1222, SANTA ROSA BEACH, FL 32459-1222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261

Mortgage

Document Number	0045481228
Date	Apr 11, 2022
Instrument	4548/1228

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 26, 2020
Property Address	149 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Document Number	0042670886
Book / Page	004267 / 000886
Instrument Date	Jun 25, 2020
Instrument	41777
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount on Record
Tax	$1,295.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 DUELLO WOODS LN LAKE ST LOUIS MO 633674318, LAKE ST LOUIS, MO 63367-4318

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		$271,853 Land $96,873 Building $174,980	$271,853 Land $96,873 Building $174,980
2024	$40.00 (-98.95%)
2023	$3,796.00 (+354.07%)	$300,460 (+315.57%) Land $71,159 Building $229,301	$300,460 (+315.57%) Land $71,159 Building $229,301
2022	$836.00	$72,300 Land $72,300	$72,300 Land $72,300

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 149 Eagle Trace Ct 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 AE, within 500 ft
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 149 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.

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