226 Eagle Dr, Panama City Beach, FL 32407 Property Records

Bay County property record for 226 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,564 sqft · built 2002
Lot Size	0.328 acres (14,287 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jan 2018)
Tax Bill	$4,066 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34024-353-000`

Property Details

APN / Parcel Number

Primary APN	`34024-353-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,564 sqft Living Area
Gross Area	4,068 sqft
1st Floor Area	2,876 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,287 sqft (0.328 acres)
Lot Dimensions	149 ft deep x 96 ft wide
Garage Type	Attached
Garage Area	504 sqft
Porch	Florida Room
Porch Area	376 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	226 EAGLE DR
City	PANAMA CITY BEACH
State	FL
Zip	32407-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB12
Legal Description	COLONY SUBD PHASE 1 LOT 53 BLK A ORB 3975 P 606
Legal Range	16W
Legal Township	03S
Legal Section	22
Legal Subdivision	COLONY SUBD
Legal Phase	1
Legal Block	A
Legal Lot Number	53
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1025
Census Tract	2703

Owner

226 Eagle Dr is owned and occupied by two individuals who bought it in January 2018.

Source: Bay County records, as of June 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	226 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
Jan 29, 2018	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2018 · Amount on File
Deed Sale	Jan 29, 2018 · Amount on File
Deed Document Number	20185542
Deed Book / Page	3975 / 606
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	226 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820

Mortgage

Document Number	0046330353
Date	Nov 22, 2022
Book Page	4633/353
Instrument	2022084066

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Dec 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 29, 2018
Property Address	226 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820
Document Number	0039750606
Book / Page	3975 / 0606
Map Reference	MB13 PG19
Instrument Date	Jan 29, 2018
Instrument	2018005542
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INS AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 EAGLE DR, 219, PANAMA CITY BEACH, FL 32407-2821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820

Mortgage

Document Number	2018005543
Date	Jan 29, 2018
Instrument	2018005543

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 226 Eagle Dr was $4,066 with a homeowner's exemption, down 10.8% 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	$4,066.00 (-10.83%) Homeowner's exemption	$410,772	$421,249 Land $63,759 Building $357,490
2024	$4,560.00 (+2.31%)
2023	$4,457.00 (+10.98%) Homeowner's exemption	$387,568 (+3%)	$402,106 (+6.86%) Land $47,057 Building $355,049
2022	$4,016.00 Homeowner's exemption	$376,280 Land $44,001 Building $332,279	$376,280 Land $44,001 Building $332,279

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 226 Eagle Dr 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 175 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	175 in force
Nearby Flood Claims	65 (1978–2022)
Claims Outside the SFHA	47 of 65
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Hurricane Georges, Sep 1998 · 6 claims Hurricane Opal, Oct 1995 · 35 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 226 Eagle Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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