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

Bay County property record for 232 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,164 sqft · built 1981
Lot Size	0.382 acres (16,640 sqft)
Owner	Individual Name on File
Last Sale	$635,000 (Aug 2023)
Tax Bill	$1,182 (2025)
Deeds & Mortgages	Aug 2023 Sale Mar 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34024-352-000`

Property Details

APN / Parcel Number

Primary APN	`34024-352-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,164 sqft Heated Area
Gross Area	4,144 sqft
1st Floor Area	3,164 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2011
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	16,640 sqft (0.382 acres)
Lot Dimensions	150 ft deep x 111 ft wide
Garage Area	672 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	308 sqft
Deck Area	180 sqft
Patio Area	180 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	232 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 52 BLK A ORB 4719 P 2154
Legal Range	16W
Legal Township	03S
Legal Section	22
Legal Subdivision	COLONY
Legal Phase	1
Legal Block	A
Legal Lot Number	52
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1025
Census Tract	2703

Owner

232 Eagle Dr is owned and occupied by an individual who bought it in August 2023.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	232 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
Aug 14, 2023	Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
Feb 14, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2023 · Amount on File
Deed Sale	Aug 14, 2023 · Amount on File
Prior Sale	Feb 14, 2017 · Amount on File
Deed Document Number	2023051044
Deed Book / Page	4719 / 2154
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 14, 2023
Property Address	232 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820
Document Number	0047192154
Book / Page	4719 / 2154
Map Reference	MB 13 PG 19
Instrument Date	Aug 11, 2023
Instrument	2023051044
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB

Transaction

Amount	Amount on Record
Tax	$4,445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	232 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042341619
Date	Mar 19, 2020
Book Page	4234/1619
Instrument	2020020704

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 14, 2017
Property Address	232 EAGLE DR, PANAMA CITY BEACH, FL 32407-2820
Document Number	0038732149
Book / Page	003873 / 002149
Instrument Date	Feb 10, 2017
Instrument	8201
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 EAGLE DR PANAMA CITY FL 324072820, PANAMA CITY, FL 32407-2820

Mortgage

Document Number	38732152
Date	Feb 14, 2017
Book Page	003873/002152
Instrument	8202

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 232 Eagle Dr was $1,182 with exemptions applied.

Source: Bay County assessment roll, as of July 1, 2025

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	$1,182.00 Homeowner's exemption Widower's exemption	$151,530	$542,342 Land $63,759 Building $478,583
2023	$2,757.00 (+10.63%) Homeowner's exemption	$245,366 (+3%)	$305,123 (+8.28%) Land $47,057 Building $258,066
2022	$2,492.00 Homeowner's exemption	$238,219	$281,790 Land $44,001 Building $237,789

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 232 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 232 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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