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156 Rusty Gans Dr, Panama City, FL 32408 Property Records

Bay County property record for 156 Rusty Gans Dr, Panama City, FL 32408 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,085 sqft · built 1980
Lot Size0.34 acres (14,810 sqft)
Owner2 Individual Names on File
Last Sale$165,000 (Aug 2016)
Tax Bill$1,776 (2025)
Deeds & MortgagesMar 2021 Mortgage
Flood ZoneZone X (moderate risk)
APN30197-791-000

Property Details

APN / Parcel Number

Primary APN30197-791-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,085 sqft Living Area
Gross Area2,525 sqft
1st Floor Area2,085 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Exterior MaterialStone
Roof TypeGable/Hip
Roof MaterialOther
Lot Area14,810 sqft (0.34 acres)
Lot Dimensions165 ft deep x 90 ft wide
Garage TypeAttached
Garage Area440 sqft
DrivewayDriveway

Exterior Amenities

Pool Area648 sqft
PorchUnfinished Open Porch
Porch Area204 sqft
Deck Area144 sqft
Patio Area500 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address156 RUSTY GANS DR
CityPANAMA CITY
StateFL
Zip32408-4510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAND LAGOON SHORES UNIT 2 LOT 10 BLK B ORB 3818 P 1385
Legal Range15W
Legal Township04S
Legal Section06
Legal SubdivisionGRAND LAGOON SHORES
Legal BlockB
Legal Lot Number10
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1008
Census Tract2604

Owner

Source: Bay County records · APN 30197-791-000

Assessment roll updated January 5, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address156 RUSTY GANS DR, PANAMA CITY, FL 32408-4510
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 01, 2016 · Amount on Record
Deed SaleAug 01, 2016 · Amount on Record
Prior SaleSep 15, 2014 · Amount on Record
Deed Document Number201641629
Deed Book / Page3818 / 1385
Prior Transfer DateAug 12, 2009
Prior Transfer Doc0031800541
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address156 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510
Transaction TypeMortgage
Record UpdatedJan 15, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address156 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510

Mortgage

Document Number0043841051
DateMar 31, 2021
Book Page4384/1051
Instrument2021023724
Lender
NameTRUIST BANK
TypeBank
AddressRICHMOND, VA 23224
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,776.00 (+1.14%) Homeowner's exemption$184,058 (+9.25%)$248,612 (+29.04%) Land $90,287 Building $158,325
2024$1,756.00 (+5.91%)
2023$1,658.00 (+11.2%) Homeowner's exemption$168,469 (+3%)$192,663 (+8.67%) Land $76,280 Building $116,383
2022$1,491.00 Homeowner's exemption$163,562$177,291 Land $69,812 Building $107,479

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050026041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 27 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies27 in force
Nearby Flood Claims10 (1984–2020)
Claims Outside the SFHA10 of 10
Most Recent ClaimSep 2020, rainfall accumulation, Hurricane Sally
Claims By Storm
  • Hurricane Michael, Oct 2018 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 292 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 2,000
WOW Internet, Cable & PhoneCable1,200 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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