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

Bay County property record for 163 Rusty Gans Dr, Panama City, FL 32408 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,781 sqft · built 1981
Lot Size0.297 acres (12,937 sqft)
OwnerIndividual Name on File
Last Sale$262,000 (Jul 2019)
Tax Bill$2,786 (2025)
Deeds & MortgagesJan 2024 Mortgage
Jul 2019 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN30197-829-000

Property Details

APN / Parcel Number

Primary APN30197-829-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,781 sqft Living Area
Gross Area2,261 sqft
1st Floor Area1,753 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2011
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialOther
Lot Area12,937 sqft (0.297 acres)
Lot Dimensions149 ft deep x 87 ft wide
Garage TypeAttached
Garage Area480 sqft
DrivewayDriveway

Exterior Amenities

PorchFlorida Room
Porch Area233 sqft
Patio Area152 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address163 RUSTY GANS DR
CityPANAMA CITY
StateFL
Zip32408-4529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAND LAGOON SHORES UNIT 2 LOT 13 BLK C 58B1 ORB 4144 P 294
Legal Range15W
Legal Township04S
Legal Section06
Legal SubdivisionGRAND LAGOON SHORES
Legal BlockC
Legal Lot Number13
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1009
Census Tract2604

Owner

Source: Bay County records · APN 30197-829-000

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 RecordIndividual Name on File
Mailing Address163 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 12, 2024Deed of Trust, Mortgage · VA Mortgage
VERITAS FUNDING LLC
Jul 15, 2019Warranty Deed, Transfer
NAVY FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 15, 2019 · Amount on Record
Deed SaleJul 15, 2019 · Amount on Record
Prior SaleJun 08, 2009 · Amount on Record
Deed Document Number201963655
Deed Book / Page4144 / 294
Prior Transfer DateDec 10, 2018
Prior Transfer Doc0040732211
Record UpdatedJun 08, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address163 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Transaction TypeMortgage
Record UpdatedJan 25, 2024
Title CompanyELEVATED TITLE LLC, ELEVATED TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address163 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529

Mortgage

Document Number0047641698
DateJan 12, 2024
Book Page4764/1698
Instrument2024001916
Lender
NameVERITAS FUNDING LLC
TypeLending Institution
AddressMIDVALE, UT 84047
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2054

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJul 15, 2019
Property Address163 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4529
Document Number0041440294
Book / Page004144 / 000294
Instrument DateJul 12, 2019
Instrument63655
Transaction TypeTransfer
Record UpdatedAug 06, 2019
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,834.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address163 RUSTY GANS DR PANAMA CITY BEACH FL 324084529, PANAMA CITY BEACH, FL 32408-4529

Mortgage

Document Number41440296
DateJul 15, 2019
Book Page004144/000296
Instrument63656
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
AmountAmount Recorded
Term360 Months
DueJul 14, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,786.00 (+1.79%) Homeowner's exemption$266,205 (+2.9%)$278,744 (+7.75%) Land $90,287 Building $188,457
2024$2,737.00 (-1.76%)
2023$2,786.00 (-3.83%) Homeowner's exemption$258,693 (+4.69%) Land $76,280 Building $182,413$258,693 (+4.69%) Land $76,280 Building $182,413
2022$2,897.00$247,094 Land $69,812 Building $177,282$247,094 Land $69,812 Building $177,282

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 27 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Sally
Claims By Storm
  • Hurricane Michael, Oct 2018 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 2,000
WOW Internet, Cable & PhoneCable1,200 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

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

Mobile Coverage

5G and 4G LTE

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