166 Beth St, Panama City Beach, FL 32407 Property Records

Bay County property record for 166 Beth St, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,050 sqft · built 2003
Lot Size	1 acres (43,908 sqft)
Owner	Individual Name on File
Last Sale	$8,500 (Jun 2001)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34168-210-000`

Property Details

APN / Parcel Number

Primary APN	`34168-210-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,050 sqft Living Area
Gross Area	3,622 sqft
1st Floor Area	2,688 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	43,908 sqft (1 acres)
Lot Dimensions	175 ft deep x 126 ft wide
Garage Type	Attached
Garage Area	572 sqft
Driveway	Driveway
Driveway Area	888 sqft
Porch	Florida Room
Porch Area	416 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	166 BETH ST
City	PANAMA CITY BEACH
State	FL
Zip	32407-3005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB15
Legal Description	27 3S 16W -121.110- 118A2 COM AT NE COR OF SE 1/4 OF NW 1/4 OF SEC TH W 60 N 265 FOR POB TH W 175.69 N 251.20 E 175.70 S 251.20 TO POB ORB 2036 P 1058-1067
Legal Range	16W
Legal Township	03S
Legal Section	27
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1025
Census Tract	2711

Owner

166 Beth St is owned and occupied by an individual who acquired it in May 2012.

Source: Bay County records, as of January 16, 2026

Owner of Record	Individual Name on File
Mailing Address	166 BETH ST, PANAMA CITY BEACH, FL 32407-3005
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2001 · Amount on File
Deed Sale	Jun 5, 2001 · Amount on File
Deed Document Number	200129101
Deed Book / Page	2036 / 1067
Last Transfer Date	May 4, 2012
Transfer Doc	0034080243
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	166 BETH ST, PANAMA CITY BEACH, FL 32407-3005
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 BETH ST, PANAMA CITY BEACH, FL 32407-3005

Mortgage

Document Number	0044741201
Date	Oct 19, 2021
Book Page	4474/1201
Instrument	2021079631

Lender

Name	SYNOVUS BANK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 166 Beth St was $2,864 with a homeowner's exemption, down 15.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City Beach
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,864.00 (-15.74%) Homeowner's exemption	$300,582	$652,802 Land $295,015 Building $357,787
2024	$3,399.00 (+5.13%)
2023	$3,233.00 (+10.64%) Homeowner's exemption	$283,603 (+3%)	$633,967 (+31.27%) Land $273,600 Building $360,367
2022	$2,922.00 Homeowner's exemption	$275,343	$482,964 Land $205,000 Building $277,964

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

Flood

FEMA maps place 166 Beth St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 105 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	4 (1995–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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

Wildfire risk around 166 Beth St is moderate, ranking above 42% 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 Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20