Bay County property record for 166 Rusty Gans Dr, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,704 sqft · built 1984 |
| Lot Size | 0.332 acres (14,462 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $426,500 (Aug 2024) |
| Tax Bill | $3,514 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 30197-779-000 |
| Primary APN | 30197-779-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,704 sqft Heated Area |
| Gross Area | 2,388 sqft |
| 1st Floor Area | 1,474 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,462 sqft (0.332 acres) |
| Lot Dimensions | 161 ft deep x 90 ft wide |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 1,020 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 310 sqft |
| Patio Area | 230 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 166 RUSTY GANS DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-4510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | GRAND LAGOON SHORES UNIT 2 LOT 4 BLK B ORB 4835 P 1185 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | GRAND LAGOON SHORES |
| Legal Block | B |
| Legal Lot Number | 4 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 2604 |
Source: Bay County records, as of January 23, 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 Record |
|---|---|
| Mailing Address | 166 RUSTY GANS DR, PANAMA CITY, FL 32408-4510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2022 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| May 6, 2020 | Deed of Trust, Mortgage · VA Mortgage ENVOY MORTGAGE LTD |
| Mar 27, 2019 | Warranty Deed, Transfer · VA Mortgage FIRST FLORIDA BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2024 · Amount on Record |
| Deed Sale | Aug 28, 2024 · Amount on Record |
| Prior Sale | Aug 26, 2022 · Amount on Record |
| Deed Document Number | 2024051019 |
| Deed Book / Page | 4835 / 1185 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 26, 2022 |
| Property Address | 166 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0046031602 |
| Book / Page | 4603 / 1602 |
| Map Reference | MB 13 PG 27&27A |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022063796 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11156 W LAKESHORE DR, BRIMLEY, MI 49715-9008 |
| Name | Verified Name |
|---|---|
| Address | 1002 MERIEN CT, OVIEDO, FL 32765-5806 |
| Document Number | 0046031604 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 4603/1604 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 166 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PANHANDLE LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0042490867 |
|---|---|
| Date | May 6, 2020 |
| Book Page | 4249/867 |
| Instrument | 2020029985 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 27, 2019 |
| Property Address | 166 RUSTY GANS DR, PANAMA CITY BEACH, FL 32408-4510 |
| Document Number | 0041051448 |
| Book / Page | 4105 / 1448 |
| Map Reference | MB 13 PG 27&27A |
| Instrument Date | Mar 26, 2019 |
| Instrument | 2019031860 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | CORNERSTONE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2554 S MILL DRIVE, 2554, ARLINGTON, VA 22206 |
| Name | Verified Name |
|---|---|
| Address | 166 RUSTY GANS DR, PANAMA CITY, FL 32408-4510 |
| Document Number | 2019031861 |
|---|---|
| Date | Mar 27, 2019 |
| Instrument | 2019031861 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,514.00 (-7.06%) Homeowner's exemption | $325,446 (+8.75%) Land $90,287 Building $235,159 | $325,446 (+8.75%) Land $90,287 Building $235,159 |
| 2023 | $3,781.00 (+71.47%) | $299,252 (+32.78%) Land $76,280 Building $222,972 | $299,252 (+17.61%) Land $76,280 Building $222,972 |
| 2022 | $2,205.00 Homeowner's exemption | $225,371 | $254,443 Land $69,812 Building $184,631 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 27 policies |
| 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 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025
| Provider | Max 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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