159 Rusty Gans Dr, Panama City Beach, FL 32408 Property Records

Bay County property record for 159 Rusty Gans Dr, Panama City Beach, FL 32408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,678 sqft · built 1998
Lot Size	0.683 acres (29,751 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Dec 2001)
Tax Bill	$1,723 (2025)
Deeds & Mortgages	Feb 2024 Transfer
Flood Zone	Zone X (moderate risk)
APN	`30197-833-000`

Property Details

APN / Parcel Number

Primary APN	`30197-833-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,678 sqft Living Area
Gross Area	2,077 sqft
1st Floor Area	1,534 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	29,751 sqft (0.683 acres)
Lot Dimensions	186 ft deep x 160 ft wide
Garage Type	Attached
Garage Area	399 sqft
Driveway	Driveway
Driveway Area	513 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Florida Room
Porch Area	240 sqft
Patio Area	576 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	159 RUSTY GANS DR
City	PANAMA CITY BEACH
State	FL
Zip	32408-4529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	GRAND LAGOON SHORES UNIT 2 LOT 15 BLK C ORB 4773 P 189
Legal Range	15W
Legal Township	04S
Legal Section	06
Legal Subdivision	GRAND LAGOON SHORES
Legal Block	C
Legal Lot Number	15
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1009
Census Tract	2604

Owner

Source: Bay County records, as of March 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	159 RUSTY GANS DR, PANAMA CITY, FL 32408-4529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2001 · Amount on Record
Deed Sale	Dec 13, 2001 · Amount on Record
Prior Sale	Oct 24, 2001 · Amount on Record
Deed Document Number	200169215
Deed Book / Page	2095 / 1869
Last Transfer Date	Jan 14, 2011
Transfer Doc	0032970238
Record Updated	Jun 8, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Feb 13, 2024
Property Address	159 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Document Number	0047730189
Book / Page	4773 / 189
Map Reference	MB 13 PG 27
Instrument Date	Feb 6, 2024
Instrument	2024007863
Transaction Type	Transfer
Record Updated	Mar 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	159 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529

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	$1,723.00 (+1.17%) Homeowner's exemption Widower's exemption	$184,731 (+5.99%)	$255,989 (+6.17%) Land $90,287 Building $165,702
2024	$1,703.00 (+2.1%)
2023	$1,668.00 (+7.61%) Homeowner's exemption Widower's exemption	$174,296 (+3%)	$241,107 (+7.35%) Land $76,280 Building $164,827
2022	$1,550.00 Homeowner's exemption Widower's exemption	$169,219	$224,595 Land $69,812 Building $154,783

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	10 (1984–2020)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20