Bay County property record for 17489 Front Beach Rd, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 4,696 sqft · built 2016 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,675,000 (Feb 2017) |
| Tax Bill | $26,218 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Feb 2017 Sale |
| Flood Zone | Zone VE (high risk) |
| APN | 38333-114-004 |
| Primary APN | 38333-114-004 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 3 Stories |
| Building Area | 4,696 sqft Total Area |
| 1st Floor Area | 228 sqft |
| 2nd Floor Area | 2,684 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 188 ft deep x 48 ft wide |
| Pool Area | 128 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 920 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 17489 FRONT BEACH RD |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-2012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOHMAN SUBDIVISION LOT 4 ORB 4318 P 333 |
| Legal Range | 17W |
| Legal Township | 03S |
| Legal Section | 13 |
| Legal Subdivision | LOHMAN SUBDIVISION |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 2709 |
17489 Front Beach Rd is owned by two individuals who acquired it in November 2020.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 715 W WILLOW AVE, GROTON, SD 57445-2237 |
| 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.
| Date | Document |
|---|---|
| Nov 2, 2020 | Warranty Deed, Transfer OAKTREE FNDG |
| Feb 2, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 2, 2017 · Amount on File |
| Deed Sale | Feb 2, 2017 · Amount on File |
| Prior Sale | Feb 2, 2017 · Amount on File |
| Deed Document Number | 0038702065 |
| Deed Book / Page | 003870 / 002065 |
| Last Transfer Date | Nov 2, 2020 |
| Transfer Doc | 0043180334 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 2, 2020 |
| Property Address | 17489 FRONT BEACH RD, PANAMA CITY BEACH, FL 32413-2012 |
| Document Number | 0043180334 |
| Book / Page | 004318 / 000334 |
| Instrument Date | Oct 26, 2020 |
| Instrument | 73057 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,500.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 715 W WILLOW AVE GROTON SD 574452237, GROTON, SD 57445-2237 |
| Document Number | 43180335 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 004318/000335 |
| Instrument | 73058 |
| Name | OAKTREE FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | 1298 W 7TH ST, UPLAND, CA 91786-7035 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 2, 2017 |
| Property Address | 17489 FRONT BEACH RD, PANAMA CITY BEACH, FL 32413-2012 |
| Document Number | 0038702065 |
| Book / Page | 003870 / 002065 |
| Instrument Date | Feb 1, 2017 |
| Instrument | 5919 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $11,725.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2035 DEWALD RD CHESAPEAKE VA 233222217, CHESAPEAKE, VA 23322-2217 |
The 2025 property tax bill for 17489 Front Beach Rd was $26,218.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City Beach |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $26,218.00 | $2,402,308 Land $1,540,800 Building $861,508 | $2,402,308 Land $1,540,800 Building $861,508 |
| 2023 | $25,667.00 (+13.48%) | $2,157,127 (+2.8%) Land $1,412,400 Building $744,727 | $2,157,127 (+2.8%) Land $1,412,400 Building $744,727 |
| 2022 | $22,619.00 | $2,098,308 Land $1,001,520 Building $1,096,788 | $2,098,308 Land $1,001,520 Building $1,096,788 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 17489 Front Beach Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 193 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,789 units insured incl. 1,596 condo units |
| Nearby Flood Claims | 11 (1995–2020) |
| Claims Outside the SFHA | 4 of 11 |
| 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.
Wildfire risk around 17489 Front Beach Rd is low, with less than 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 96% of the US · lower than 96% 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 302 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 |
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