2345 Charco Dr, Panama City, FL 32405 Property Records

Bay County property record for 2345 Charco Dr, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 1978
Lot Size	0.299 acres (13,024 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jan 2024)
Tax Bill	$3,088 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`13018-053-000`

Property Details

APN / Parcel Number

Primary APN	`13018-053-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,630 sqft Living Area
Gross Area	2,158 sqft
1st Floor Area	1,410 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,024 sqft (0.299 acres)
Lot Dimensions	145 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Porch	Florida Room
Porch Area	250 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2345 CHARCO DR
City	PANAMA CITY
State	FL
Zip	32405-3913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD1
Legal Description	WOODLAND ESTATES M-91A LOT 1 ORB 4766 P 124
Legal Range	14W
Legal Township	03S
Legal Section	29
Legal Subdivision	WOODLAND ESTATES
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4023
Census Tract	1502

Owner

2345 Charco Dr is owned and occupied by an individual who bought it in January 2024.

Source: Bay County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	2345 CHARCO DR, PANAMA CITY, FL 32405-3913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2024 · Amount on File
Deed Sale	Jan 18, 2024 · Amount on File
Deed Document Number	20242863
Deed Book / Page	4766 / 124
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 18, 2024
Property Address	2345 CHARCO DR, PANAMA CITY, FL 32405-3913
Document Number	0047660124
Book / Page	4766 / 124
Map Reference	MB 12 PG 33
Instrument Date	Jan 18, 2024
Instrument	2024002863
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2345 CHARCO DR, PANAMA CITY, FL 32405-3913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 CHARCO DR, PANAMA CITY, FL 32405-3913

Mortgage

Document Number	0004766126
Date	Jan 18, 2024
Instrument	4766/126

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	0047660140
Date	Jan 18, 2024
Book Page	4766/140
Instrument	2024002865

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2345 Charco Dr was $3,088 with a homeowner's exemption, up 179.7% 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
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,088.00 (+179.71%) Homeowner's exemption	$237,600 Land $55,331 Building $182,269	$237,600 Land $55,331 Building $182,269
2024	$1,104.00 (-5.07%)
2023	$1,163.00 (-1.52%) Homeowner's exemption Widower's exemption	$102,223 (+6.63%)	$151,865 (+11.53%) Land $43,480 Building $108,385
2022	$1,181.00 Homeowner's exemption Widower's exemption	$95,865	$136,166 Land $39,649 Building $96,517

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 2345 Charco Dr in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 119 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	119 in force
Nearby Flood Claims	77 (1988–2022)
Claims Outside the SFHA	29 of 77
Most Recent Claim	Sep 2022 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 46 claims Severe Storms And Flooding, Jul 2013 · 4 claims Hurricane Georges, Sep 1998 · 2 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 2345 Charco Dr 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 99.1% of the US · lower than 98.7% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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