Bay County property record for 160 Rusty Gans Dr, #A, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,415 sqft · built 1999 |
| Lot Size | 0.276 acres (12,022 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Jan 2022) |
| Tax Bill | $3,586 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 30197-787-000 |
| Primary APN | 30197-787-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,415 sqft Living Area |
| Gross Area | 1,898 sqft |
| 1st Floor Area | 1,415 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,022 sqft (0.276 acres) |
| Lot Dimensions | 201 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 1,540 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 245 sqft |
| Patio Area | 400 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 160 RUSTY GANS DR, A |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32408-4510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | GRAND LAGOON SHORES UNIT 2 LOT 8 BLK B ORB 4517 P 462 58B1 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | GRAND LAGOON SHORES |
| Legal Block | B |
| Legal Lot Number | 8 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 2604 |
Source: Bay County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2614 LAURIE AVE, C3, PANAMA CITY, FL 32408-4444 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2022 · Amount on Record |
| Deed Sale | Jan 31, 2022 · Amount on Record |
| Prior Sale | Jun 1, 2021 · Amount on Record |
| Deed Document Number | 20226754 |
| Deed Book / Page | 4517 / 462 |
| Prior Transfer Date | May 28, 2021 |
| Prior Transfer Doc | 0044131771 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 31, 2022 |
| Property Address | 160 RUSTY GANS DR # A, A, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0045170462 |
| Book / Page | 4517 / 462 |
| Map Reference | MB 13 PG 27&27A |
| Instrument Date | Jan 21, 2022 |
| Instrument | 2022006754 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | BRIGHT LINE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3416 LODGE DR, CHIPLEY, FL 32428-5685 |
| Name | Verified Name |
|---|---|
| Address | 2614 LAURIE AVE APT C3, C3, PANAMA CITY, FL 32408-4444 |
| Document Number | 0004517464 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 4517/464 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 1, 2021 |
| Property Address | 160 RUSTY GANS DR # A, A, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0044131771 |
| Book / Page | 4413 / 1771 |
| Map Reference | MB 13 PG 27&27A |
| Instrument Date | May 28, 2021 |
| Instrument | 2021041298 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | DIAMOND TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,362.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2821 PAYTON RD NE, ATLANTA, GA 30345-2637 |
| Name | Verified Name |
|---|---|
| Address | 160 RUSTY GANS DR # A, A, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0044131773 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 4413/1773 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,586.00 (+4.15%) | $291,763 (+5.07%) Land $90,287 Building $201,476 | $291,763 (+5.07%) Land $90,287 Building $201,476 |
| 2024 | $3,443.00 (-1.94%) | ||
| 2023 | $3,511.00 (+15.84%) | $277,678 (+7.35%) Land $76,280 Building $201,398 | $277,678 (+7.35%) Land $76,280 Building $201,398 |
| 2022 | $3,031.00 | $258,671 Land $69,812 Building $188,859 | $258,671 Land $69,812 Building $188,859 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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 |
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