Bay County property record for 20641 Front Beach Rd, #B, Panama City Beach, FL 32413
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,250 sqft · built 1998 |
| Lot Size | 0.071 acres (3,136 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $710,000 (Nov 2015) |
| Tax Bill | $14,114 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | 36652-000-000 |
| Primary APN | 36652-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,250 sqft Heated Area |
| Gross Area | 4,130 sqft |
| 1st Floor Area | 1,150 sqft |
| 2nd Floor Area | 1,100 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 3,136 sqft (0.071 acres) |
| Lot Dimensions | 105 ft deep x 30 ft wide |
| Porch | Porch |
| Porch Area | 1,260 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 20641 FRONT BEACH RD # B, B |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-3639 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | BC23 |
| Legal Description | LAGUNA BEACH ESTATES 2ND ADD W1/2 OF LOT 1 BLK 6A ORB 3749 P 413 |
| Legal Range | 17W |
| Legal Township | 03S |
| Legal Section | 10 |
| Legal Subdivision | LAGUNA BEACH ESTATES |
| Legal Block | 6A |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 2707 |
20641 Front Beach Rd, #B is owned by two individuals who bought it in November 2015.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1944 COUNTY ROAD 2243, GOSHEN, AL 36035-2031 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2015 · Amount on File |
| Deed Sale | Nov 13, 2015 · Amount on File |
| Prior Sale | Dec 30, 2004 |
| Deed Document Number | 2015062780 |
| Deed Book / Page | 3749 / 0413 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 20641 Front Beach Rd, #B was $14,114.
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 | $14,114.00 | $1,159,346 Land $783,000 Building $376,346 | $1,159,346 Land $783,000 Building $376,346 |
| 2023 | $12,689.00 (+26.52%) | $1,101,330 (+25.85%) Land $717,750 Building $383,580 | $1,101,330 (+25.85%) Land $717,750 Building $383,580 |
| 2022 | $10,029.00 | $875,111 Land $508,950 Building $366,161 | $875,111 Land $508,950 Building $366,161 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20641 Front Beach Rd, #B 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 | 14.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 20641 Front Beach Rd, #B 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 93% of the US · lower than 94% 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 545 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| 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 |
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