22703 Turtleback Ct, Panama City Beach, FL 32413 Property Records

Bay County property record for 22703 Turtleback Ct, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,343 sqft · built 2016
Lot Size	0.496 acres (21,605 sqft)
Owner	Individual Name on File
Last Sale	$535,000 (Apr 2017)
Tax Bill	$5,068 (2025)
Deeds & Mortgages	Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`35271-188-000`

Property Details

APN / Parcel Number

Primary APN	`35271-188-000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,343 sqft Living Area
Gross Area	5,066 sqft
1st Floor Area	2,624 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	21,605 sqft (0.496 acres)
Garage Type	Attached
Garage Area	723 sqft
Porch	Florida Room
Porch Area	597 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	22703 TURTLEBACK CT
City	PANAMA CITY BEACH
State	FL
Zip	32413-8450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CSVH
Legal Description	WILD HERON PHASE I 5D LOT B1-48 ORB 3893 P 283
Legal Range	17W
Legal Township	02S
Legal Section	32
Legal Subdivision	WILD HERON PHASE I
Legal Phase	1
Legal Block	1
Legal Lot Number	B1
Jurisdiction	BAY FL
Township / Civil Division	SOUTHPORT
Census Block Group	2
Census Block	2073
Census Tract	204

Owner

Source: Bay County records · APN 35271-188-000

Assessment roll updated January 5, 2026 · Last verified April 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 File
Mailing Address	22703 TURTLEBACK CT, PANAMA CITY BEACH, FL 32413-8450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 19, 2017 · Amount on Record
Deed Sale	Apr 19, 2017 · Amount on Record
Prior Sale	Apr 02, 2013 · Amount on Record
Deed Document Number	201721952
Deed Book / Page	3893 / 283
Prior Transfer Date	Jan 11, 2005
Prior Transfer Doc	0025511871
Record Updated	Jun 08, 2026

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 19, 2017
Property Address	22703 TURTLEBACK CT, PANAMA CITY BEACH, FL 32413-8450
Document Number	0038930284
Book / Page	003893 / 000284
Instrument Date	Apr 11, 2017
Instrument	21952
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,745.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 614054 PANAMA CITY BEACH FL 324614004, PANAMA CITY BEACH, FL 32461-4004

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,068.00 (-26.1%) Homeowner's exemption	$451,873 (+5.99%)	$974,112 (+2.31%) Land $146,473 Building $827,639
2024	$6,858.00 (-7.22%)
2023	$7,392.00 (+15.84%) Homeowner's exemption	$426,348 (+3%)	$952,121 (+34.43%) Land $122,117 Building $830,004
2022	$6,381.00 Homeowner's exemption	$413,930	$708,243 Land $59,500 Building $648,743

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), as of September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050002042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 232 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	293 units insured incl. 61 condo units
Nearby Flood Claims	10 (1995–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 5 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 96 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL1030515, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF PANAMA CITY BEACH serves 67,205 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.