17280 Front Beach Rd, Panama City Beach, FL 32413 Property Records

Bay County property record for 17280 Front Beach Rd, Panama City Beach, FL 32413

Property Summary

Property Type	Commercial Vacant Land
Details	2,371 sqft
Lot Size	0.257 acres (11,194 sqft)
Owner	Company Name on File
Last Sale	$650,000 (Feb 2010)
Tax Bill	$1,327 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32750-000-000`

Property Details

APN / Parcel Number

Primary APN	`32750-000-000`

Interior

Building Area	2,371 sqft Attic

Exterior

Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,194 sqft (0.257 acres)
Lot Dimensions	280 ft deep x 40 ft wide
Porch	Porch
Porch Area	144 sqft
Lawn Sprinklers	Lawn Sprinklers

Location & Zoning

Street Address	17280 FRONT BEACH RD
City	PANAMA CITY BEACH
State	FL
Zip	32413-2104
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	PCB22
Legal Description	18 3S 16W -10- BEG 50 E OF N R/W OF HWY 98 & W LINE OF SEC TH ELY ALG HWY 40 NELY 264.8 TH PAR TO HWY WLY 120 S 130 WLY & PART TO HWY 50 S 170 TO BEG MAP-29B3 ORB 4779 P 8973
Legal Range	16W
Legal Township	03S
Legal Section	18
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	2
Census Block	2020
Census Tract	2709

Owner

17280 Front Beach Rd, commercial vacant land, is owned by a company that bought it in February 2010.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 18829, PANAMA CITY, FL 32417-8829
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
Mar 4, 2024	Warranty Deed, Transfer · Commercial Mortgage FIRST HORIZON BANK
Mar 24, 2017	Grant Deed, Mortgage ATLANTIC COAST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2010 · Amount on File
Deed Sale	Feb 17, 2010 · Amount on File
Prior Sale	Jun 12, 2003 · Amount on File
Deed Document Number	20107974
Deed Book / Page	3219 / 1793
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 4, 2024
Property Address	17280 FRONT BEACH RD, PANAMA CITY BEACH, FL 32413-2104
Document Number	0047790897
Book / Page	4779 / 897
Instrument Date	Feb 29, 2024
Instrument	2024012284
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17255 FRONT BEACH RD, PANAMA CITY BEACH, FL 32413-2119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 18829, PANAMA CITY BEACH, FL 32417-8829
Investor	Possibly a Property Investor

Mortgage

Document Number	0047791018
Date	Mar 4, 2024
Instrument	4779/1018

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Mar 24, 2017
Property Address	17280 FRONT BEACH RD, PANAMA CITY BEACH, FL 32413-2104
Document Number	0038850098
Book / Page	003885 / 000098
Instrument Date	Mar 22, 2017
Instrument	16120
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	17255 FRONT BEACH RD ROSEMARY BEACH FL 324132119, ROSEMARY BEACH, FL 32413-2119

Mortgage

Document Number	38850098
Date	Mar 24, 2017
Book Page	003885/000098
Instrument	16120

Lender

Name	ATLANTIC COAST BK
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 17280 Front Beach Rd was $1,327, down 14.6% 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	$1,327.00 (-14.61%)	$121,646 Land $107,520 Building $14,126	$121,646 Land $107,520 Building $14,126
2024	$1,554.00 (-1.21%)
2023	$1,573.00 (+7.81%)	$121,646 (-) Land $107,520 Building $14,126	$121,646 (-) Land $107,520 Building $14,126
2022	$1,459.00	$121,646 Land $107,520 Building $14,126	$121,646 Land $107,520 Building $14,126

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 17280 Front Beach Rd in Zone X, an area of minimal flood risk, within 500 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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 122 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	393 units insured incl. 271 condo units
Nearby Flood Claims	2 (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 17280 Front Beach Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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.

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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75

May also be available: AT&T, T-Mobile.

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