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

Bay County property record for 154 Eagle Trace Ct, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,874 sqft · built 2022
Lot Size	0.082 acres (3,572 sqft)
Owner	Individual Name on File
Last Sale	$582,000 (Apr 2023)
Tax Bill	$3,140 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35272-800-120`

Property Details

APN / Parcel Number

Primary APN	`35272-800-120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,874 sqft Heated Area
Gross Area	2,318 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	252 sqft
Pool Area	308 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	154 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 12 ORB 4676 P 731
Legal Range	17W
Legal Township	02S
Legal Section	32
Legal Subdivision	OSPREY POINTE AT POWELL
Legal Lot Number	12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1012
Census Tract	2706

Owner

154 Eagle Trace Ct is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	154 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Occupancy	Owner Occupied
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

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK
Apr 10, 2023	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 18, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 12, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2023 · Amount on File
Deed Sale	Apr 10, 2023 · Amount on File
Prior Sale	Aug 18, 2021 · Amount on File
Deed Document Number	2023021359
Deed Book / Page	4676 / 731
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	154 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

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

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Apr 10, 2023
Property Address	154 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Document Number	0046760731
Book / Page	4676 / 731
Map Reference	MB 26 PG 48
Instrument Date	Apr 5, 2023
Instrument	2023021359
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,074.00
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	154 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261

Mortgage

Document Number	0004676733
Date	Apr 10, 2023
Instrument	4676/733

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 18, 2021
Property Address	154 EAGLE TRACE CT, PANAMA CITY BEACH, FL 32413-1261
Document Number	0044481861
Book / Page	4448 / 1861
Map Reference	MB 26 PG 48
Instrument Date	Aug 13, 2021
Instrument	2021063350
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 12, 2019
Property Address	154 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 154 Eagle Trace Ct was $3,140 with a homeowner's exemption.

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	$3,140.00 Homeowner's exemption	$294,979	$394,058 Land $96,873 Building $297,185
2023	$5,800.00 (+593.78%)	$460,729 (+537.25%) Land $71,159 Building $389,570	$460,729 (+537.25%) Land $71,159 Building $389,570
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 154 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 154 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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