156 Southfields Rd, Panama City Beach, FL 32413 Property Records

Bay County property record for 156 Southfields Rd, Panama City Beach, FL 32413

Property Summary

Property Type	Townhouse
Details	3 bd · 4 ba · 2,088 sqft · built 2006
Lot Size	0.028 acres (1,220 sqft)
Owner	Individual Name on File
Last Sale	$725,000 (Sep 2022)
Tax Bill	$8,257 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36071-020-025`

Property Details

APN / Parcel Number

Primary APN	`36071-020-025`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,088 sqft Heated Area
Gross Area	2,954 sqft
1st Floor Area	720 sqft
2nd Floor Area	1,368 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	1,220 sqft (0.028 acres)
Lot Dimensions	56 ft deep x 22 ft wide
Garage Area	240 sqft

Exterior Amenities

Porch	Porch
Porch Area	446 sqft
Deck Area	180 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	156 SOUTHFIELDS RD
City	PANAMA CITY BEACH
State	FL
Zip	32413-3206
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	BC22
Legal Description	5 3S 17W -2.13C- COM SE COR LOT 1 BLK C SOUTH- FIELDS SEC ONE TH W 35.09' W
Legal Range	17W
Legal Township	03S
Legal Section	05
Legal Block	C
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1015
Census Tract	2707

Owner

156 Southfields Rd, a townhouse, is owned by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	400 E 9TH ST, EDMOND, OK 73034-4707
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
Sep 2, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF HYDRO
Feb 3, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Feb 3, 2021 · Amount on File
Deed Document Number	2022065796
Deed Book / Page	4606 / 1690
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 2, 2022
Property Address	156 SOUTHFIELDS RD, PANAMA CITY BEACH, FL 32413-3206
Document Number	0046061690
Book / Page	4606 / 1690
Instrument Date	Aug 30, 2022
Instrument	2022065796
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	RELI TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	864 TOM OSBORNE RD, COLUMBIA, TN 38401-6736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E 9TH ST, EDMOND, OK 73034-4707

Mortgage

Document Number	0046061692
Date	Sep 2, 2022
Book Page	4606/1692
Instrument	2022065797

Lender

Name	BANK OF HYDRO
Type	Bank
Address	WEATHERFORD, OK 73096

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	72 Months
Due	Sep 15, 2028

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 3, 2021
Property Address	156 SOUTHFIELDS RD, PANAMA CITY BEACH, FL 32413-3206
Document Number	0043590175
Book / Page	4359 / 175
Instrument Date	Feb 3, 2021
Instrument	2021007959
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,353.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	438 EMORY DR NE, ATLANTA, GA 30307-1149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 SOUTHFIELDS RD, PANAMA CITY BEACH, FL 32413-3206

Mortgage

Document Number	0004359177
Date	Feb 3, 2021
Instrument	4359/177

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 156 Southfields Rd was $8,257.

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	$8,257.00	$671,705 Land $51,627 Building $620,078	$671,705 Land $51,627 Building $620,078
2023	$7,778.00 (+43%)	$618,915 (+32.57%) Land $43,120 Building $575,795	$618,915 (+32.57%) Land $43,120 Building $575,795
2022	$5,439.00	$466,860 Land $45,173 Building $421,687	$466,860 Land $45,173 Building $421,687

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

Flood

FEMA maps place 156 Southfields Rd in Zone X, an area of minimal flood risk, though there have been 47 flood claims nearby since 1995.

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 747 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,444 units insured incl. 697 condo units
Nearby Flood Claims	47 (1995–2026)
Claims Outside the SFHA	20 of 47
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 16 claims Hurricane Michael, Oct 2018 · 5 claims Hurricane Opal, Oct 1995 · 5 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 156 Southfields Rd 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 67% of the US · lower than 92% 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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