Bay County property record for 20106 First Ave, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,565 sqft · built 2021 |
| Lot Size | 0.151 acres (6,578 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,502 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 37072-010-000 |
| Primary APN | 37072-010-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,565 sqft Heated Area |
| Gross Area | 5,365 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Other |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 6,578 sqft (0.151 acres) |
| Lot Dimensions | 110 ft deep x 60 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 20106 FIRST AVE |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-1504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | LAGUNA BEACH EST 8TH ADD LOT 1 (SHOWN AS NOT INCL IN THIS PLAT) |
| Legal Subdivision | LAGUNA BEACH EST |
| Legal Block | 45 |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1087 |
| Census Tract | 2707 |
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 | 20106 FIRST AVE, PANAMA CITY BEACH, FL 32413-1504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
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 | $7,502.00 (+2.85%) Homeowner's exemption | $649,837 (+5.03%) | $676,711 (+9.38%) Land $221,000 Building $455,711 |
| 2023 | $7,294.00 (+20.13%) | $618,690 (+13.5%) Land $181,060 Building $437,630 | $618,690 (+13.5%) Land $181,060 Building $437,630 |
| 2022 | $6,072.00 | $545,116 Land $145,000 Building $400,116 | $545,116 Land $145,000 Building $400,116 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 747 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,444 units insured incl. 697 condo units |
| Nearby Flood Claims | 47 (1995–2026) |
| Claims Outside the SFHA | 20 of 47 |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
| 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 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 486 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 · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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