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1603 Cape Cod Dr, Panama City Beach, FL 32407 Property Records

Bay County property record for 1603 Cape Cod Dr, Panama City Beach, FL 32407

Property Summary

Property TypeCondominium
Details3 bd · 2 ba · 1,195 sqft · built 2007
OwnerIndividual Name on File
Last Sale$235,000 (Jul 2024)
Tax Bill$2,180 (2025)
Deeds & MortgagesOct 2023 Sale
Dec 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN40000-100-116

Property Details

APN / Parcel Number

Primary APN40000-100-116

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,195 sqft Heated Area

Exterior

Year BuiltBuilt 2007

Location & Zoning

Street Address1603 CAPE COD DR
CityPANAMA CITY BEACH
StateFL
Zip32407-4592
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionNAUTILUS COVE CONDO PHASE 9 UNIT 1603 ORB 2832 P 523
Legal Range16W
Legal Township03S
Legal Section21
Legal SubdivisionNAUTILUS COVE PH 09
Legal Phase9
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1031
Census Tract2703

Owner

1603 Cape Cod Dr, a condominium, is owned by an individual who bought it in July 2024.

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

Owner of RecordIndividual Name on File
Mailing Address112 TIERRA VERDE WAY, PANAMA CITY BEACH, FL 32407-3821
Owner TypeIndividual

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

DateDocument
Oct 10, 2023Warranty Deed, Transfer
NOT AVAILABLE, DEFENDER T&E AGCY LLC
Dec 2, 2019Warranty Deed, Transfer · Conventional with PMI
SUPREME LNDG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 3, 2024 · Amount on File
Deed SaleJul 3, 2024 · Amount on File
Prior SaleOct 10, 2023 · Amount on File
Deed Document Number0048181150
Deed Book / Page4818 / 1150
Record UpdatedJun 8, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 10, 2023
Property Address1603 CAPE COD DR, PANAMA CITY BEACH, FL 32407-4592
Document Number0047382396
Book / Page4738 / 2396
Map ReferenceMB 2832 PG 523
Instrument DateOct 10, 2023
Instrument2023064347
Transaction TypeTransfer
Record UpdatedNov 6, 2023
Title CompanyNOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

AmountAmount on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address101 CROSSINGS DR, PANAMA CITY BEACH, FL 32413-2891

Transferred To (Grantee/Buyer)

NameVerified Name
Address3660 CEDAR PARK LN, PANAMA CITY, FL 32404-3825
InvestorPossibly a Property Investor

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 2, 2019
Property Address1603 CAPE COD DR, PANAMA CITY BEACH, FL 32407-4592
Document Number0041961678
Book / Page004196 / 001678
Instrument DateNov 29, 2019
Instrument102624
Transaction TypeTransfer
Record UpdatedDec 27, 2019
Title CompanyDIAMOND TITLE AGENCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,015.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address182 WHITE CAP WAY PANAMA CITY FL 324074558, PANAMA CITY, FL 32407-4558

Mortgage

Document Number41961680
DateDec 2, 2019
Book Page004196/001680
Instrument102625
Lender
NameSUPREME LNDG
AddressDALLAS, TX 75254
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueDec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1603 Cape Cod Dr was $2,180.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,180.00$199,750 Building $199,750$199,750 Building $199,750
2023$2,354.00 (+34.98%)$221,000 (+44.44%) Building $221,000$221,000 (+44.44%) Building $221,000
2022$1,744.00$153,000 Building $153,000$153,000 Building $153,000

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

Flood

FEMA maps place 1603 Cape Cod Dr in Zone X, an area of minimal flood risk, though there have been 65 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 175 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies175 in force
Nearby Flood Claims65 (1978–2022)
Claims Outside the SFHA47 of 65
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Frances, Sep 2004 · 2 claims
  • Hurricane Georges, Sep 1998 · 6 claims
  • Hurricane Opal, Oct 1995 · 35 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 1603 Cape Cod Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within 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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 119 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
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
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

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