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

Bay County property record for 161 Rusty Gans Dr, Panama City Beach, FL 32408

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,612 sqft · built 1981
Lot Size0.318 acres (13,852 sqft)
Owner2 Individual Names on Record
Last Sale$350,000 (Jan 2022)
Tax Bill$2,756 (2025)
Deeds & MortgagesFeb 2024 Transfer
Jan 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN30197-831-000

Property Details

APN / Parcel Number

Primary APN30197-831-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,612 sqft Living Area
Gross Area2,092 sqft
1st Floor Area1,452 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2001
Exterior MaterialStone
Roof TypeGable/Hip
Roof MaterialOther
Lot Area13,852 sqft (0.318 acres)
Lot Dimensions204 ft deep x 68 ft wide
Garage TypeAttached
Garage Area480 sqft
DrivewayDriveway

Exterior Amenities

PorchFlorida Room
Porch Area268 sqft
Deck Area96 sqft
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address161 RUSTY GANS DR
CityPANAMA CITY BEACH
StateFL
Zip32408-4529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBC15
Legal DescriptionGRAND LAGOON SHORES UNIT 2 LOT 14 BLK C ORB 4770 P 1808
Legal Range15W
Legal Township04S
Legal Section06
Legal SubdivisionGRAND LAGOON SHORES
Legal BlockC
Legal Lot Number14
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1009
Census Tract2604

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 Record2 Individual Names on Record
Mailing Address161 RUSTY GANS DR, PANAMA CITY, FL 32408-4529
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Feb 5, 2024Intrafamily Transfer, Transfer
Jan 24, 2022Warranty Deed, Transfer · Conventional Mortgage
BROKER SOLUTIONS INC
Jul 27, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 24, 2022 · Amount on Record
Deed SaleJan 24, 2022 · Amount on Record
Prior SaleSep 12, 2016 · Amount on Record
Deed Document Number20225150
Deed Book / Page4514 / 1290
Prior Transfer DateJul 22, 2020
Prior Transfer Doc0042782174
Record UpdatedJun 8, 2026

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateFeb 5, 2024
Property Address161 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Document Number0047701808
Book / Page4770 / 1808
Map ReferenceMB 13 PG 27&28
Instrument DateFeb 5, 2024
Instrument2024006240
Transaction TypeTransfer
Record UpdatedFeb 26, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address161 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529

Transferred To (Grantee/Buyer)

NameVerified Name
Address161 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 24, 2022
Property Address161 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Document Number0045141290
Book / Page4514 / 1290
Map ReferenceMB 13 PG 27&28
Instrument DateJan 17, 2022
Instrument2022005150
Transaction TypeTransfer
Record UpdatedApr 2, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address161 RUSTY GANS DR, PANAMA CITY, FL 32408-4529

Transferred To (Grantee/Buyer)

NameVerified Name
Address9696 E KANSAS CIR APT 4, 4, DENVER, CO 80247-2318

Mortgage

Document Number0045141297
DateJan 24, 2022
Instrument4514/1297
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

July 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateJul 27, 2020
Property Address161 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Document Number0042782174
Book / Page004278 / 002174
Instrument DateJul 22, 2020
Instrument48708
Transaction TypeTransfer
Record UpdatedSep 1, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address161 RUSTY GANS DR PANAMA CITY BEACH FL 324084529, PANAMA CITY BEACH, FL 32408-4529

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,756.00 (+1.81%) Homeowner's exemption Widower's exemption$268,799 (+3.21%)$282,389 (+8.43%) Land $90,287 Building $192,102
2024$2,707.00 (-1.38%)
2023$2,745.00 (+68.51%) Homeowner's exemption Widower's exemption$260,442 (+48.4%) Land $76,280 Building $184,162$260,442 (+31.2%) Land $76,280 Building $184,162
2022$1,629.00 Homeowner's exemption$175,501$198,505 Land $69,812 Building $128,693

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 27 policies
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 · 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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 292 locations within half a mile, as of December 31, 2025

ProviderMax 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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