162 Rusty Gans Dr, Panama City, FL 32408 Property Records

Bay County property record for 162 Rusty Gans Dr, Panama City, FL 32408 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,694 sqft · built 1984
Lot Size	0.332 acres (14,461 sqft)
Owner	Individual Name on File
Tax Bill	$1,702 (2025)
Deeds & Mortgages	Dec 2018 Transfer
Flood Zone	Zone X (moderate risk)
APN	`30197-783-000`

Property Details

APN / Parcel Number

Primary APN	`30197-783-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,694 sqft Living Area
Gross Area	2,178 sqft
1st Floor Area	1,474 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,461 sqft (0.332 acres)
Lot Dimensions	161 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	1,020 sqft

Exterior Amenities

Pool Area	648 sqft
Porch	Florida Room
Porch Area	520 sqft
Deck Area	216 sqft
Patio Area	270 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	162 RUSTY GANS DR
City	PANAMA CITY
State	FL
Zip	32408-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAND LAGOON SHORES UNIT 2 LOT 6 BLK B ORB 4071 P 1810
Legal Range	15W
Legal Township	04S
Legal Section	06
Legal Subdivision	GRAND LAGOON SHORES
Legal Block	B
Legal Lot Number	6
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1008
Census Tract	2604

Owner

Source: Bay County records · APN 30197-783-000

Assessment roll updated January 5, 2026 · Last verified April 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 File
Mailing Address	162 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Dec 20, 2018
Transfer Doc	0040711810
Record Updated	Jun 08, 2026

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Dec 20, 2018
Property Address	162 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510
Document Number	0040711810
Book / Page	004071 / 001810
Instrument Date	Dec 20, 2018
Instrument	77923
Transaction Type	Transfer
Record Updated	Jan 08, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 RUSTY GANS DR PANAMA CITY BEACH FL 324084510, PANAMA CITY BEACH, FL 32408-4510

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,702.00 (+1.07%) Homeowner's exemption	$178,000 (+5.99%)	$231,509 (+9.45%) Land $90,287 Building $141,222
2024	$1,684.00 (+2%)
2023	$1,651.00 (+11.18%) Homeowner's exemption	$167,945 (+3%)	$211,525 (+9.32%) Land $76,280 Building $135,245
2022	$1,485.00 Homeowner's exemption	$163,052	$193,494 Land $69,812 Building $123,682

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050026041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 27 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Sally
Claims By Storm	Hurricane Michael, Oct 2018 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 292 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	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 USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.