Bay County property record for 237 Pine Ridge Dr, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 1973 |
| Lot Size | 0.441 acres (19,209 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Oct 2021) |
| Tax Bill | $2,251 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Sep 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11788-245-000 |
| Primary APN | 11788-245-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| Gross Area | 1,964 sqft |
| 1st Floor Area | 1,480 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 19,209 sqft (0.441 acres) |
| Lot Dimensions | 175 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Porch | Screened/Unfinished Porch |
| Porch Area | 492 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 237 PINE RIDGE DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | PINE RIDGE ESTS LOT 12 BLK B ORB 4474 P 868 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 20 |
| Legal Subdivision | PINE RIDGE ESTS |
| Legal Block | B |
| Legal Lot Number | 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1078 |
| Census Tract | 1501 |
237 Pine Ridge Dr is owned and occupied by an individual who bought it in October 2021.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 237 PINE RIDGE DR, PANAMA CITY, FL 32405-3314 |
| 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.
| Date | Document |
|---|---|
| Oct 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 12, 2019 | Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC |
| Mar 15, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2021 · Amount on File |
| Deed Sale | Oct 18, 2021 · Amount on File |
| Prior Sale | Sep 28, 2020 · Amount on File |
| Deed Document Number | 202179548 |
| Deed Book / Page | 4474 / 868 |
| Prior Transfer Date | Mar 13, 2019 |
| Prior Transfer Doc | 0041011271 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 18, 2021 |
| Property Address | 237 PINE RIDGE DR, PANAMA CITY, FL 32405-3314 |
| Document Number | 0044740868 |
| Book / Page | 4474 / 868 |
| Map Reference | MB 11 PG 36 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021079548 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2021 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 203 BALDWIN ROWE CIR, 203, PANAMA CITY, FL 32405-4299 |
| Name | Verified Name |
|---|---|
| Address | 237 PINE RIDGE DR, PANAMA CITY, FL 32405-3314 |
| Document Number | 4474870 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 4474/870 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 28, 2020 |
| Property Address | 237 PINE RIDGE DR, PANAMA CITY, FL 32405-3314 |
| Document Number | 0043030143 |
| Book / Page | 4303 / 143 |
| Map Reference | MB 11 PG 36 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 2020063402 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,504.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1610 DRUMMOND AVE, 1610, PANAMA CITY, FL 32401-1133 |
| Name | Verified Name |
|---|---|
| Address | 798 COUNTY ROAD 300, FLORENCE, AL 35634-5454 |
| Document Number | 0004303145 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 4303/145 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 12, 2019 |
| Property Address | 237 PINE RIDGE DR, PANAMA CITY, FL 32405-3314 |
| Document Number | 0041432037 |
| Book / Page | 004143 / 002037 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 63488 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2019 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $280.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1610 DRUMMOND AVE PANAMA CITY BEACH FL 324011133, PANAMA CITY BEACH, FL 32401-1133 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 15, 2019 |
| Property Address | 237 PINE RIDGE DR, PANAMA CITY, FL 32405-3314 |
| Document Number | 0041011271 |
| Book / Page | 004101 / 001271 |
| Instrument Date | Mar 13, 2019 |
| Instrument | 28146 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 237 PINE RIDGE DR PANAMA CITY FL 324053314, PANAMA CITY, FL 32405-3314 |
The 2025 property tax bill for 237 Pine Ridge Dr was $2,251 with a homeowner's exemption, up 1.7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $2,251.00 (+1.67%) Homeowner's exemption | $221,614 | $237,745 Land $56,018 Building $181,727 |
| 2024 | $2,214.00 (+2.07%) | ||
| 2023 | $2,169.00 (+11.57%) Homeowner's exemption | $209,095 (+3%) | $220,832 (+8.78%) Land $47,355 Building $173,477 |
| 2022 | $1,944.00 Homeowner's exemption | $203,005 Land $45,045 Building $157,960 | $203,005 Land $45,045 Building $157,960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 237 Pine Ridge 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 300 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 300 in force |
| Nearby Flood Claims | 154 (1984–2022) |
| Claims Outside the SFHA | 16 of 154 |
| Most Recent Claim | May 2022 · other causes |
| 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.
The area around 237 Pine Ridge Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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