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

Bay County property record for 239 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,909 sqft · built 1988
Lot Size0.323 acres (14,070 sqft)
Owner2 Individual Names on File
Tax Bill$1,204 (2025)
Deeds & MortgagesOct 2022 Transfer
Dec 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN34024-362-000

Property Details

APN / Parcel Number

Primary APN34024-362-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,909 sqft Heated Area
Gross Area2,779 sqft
1st Floor Area1,909 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Exterior MaterialWood Siding
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area14,070 sqft (0.323 acres)
Lot Dimensions160 ft deep x 88 ft wide
Garage Area462 sqft

Exterior Amenities

Pool TypeAbove-Ground Pool
PorchPorch
Porch Area408 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address239 EAGLE DR
CityPANAMA CITY BEACH
StateFL
Zip32407-2821
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePCB12
Legal DescriptionCOLONY SUBD PHASE 1 LOT 62 BLK A ORB 4620 P 378
Legal Range16W
Legal Township03S
Legal Section22
Legal SubdivisionCOLONY
Legal Phase1
Legal BlockA
Legal Lot Number62
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1025
Census Tract2703

Owner

239 Eagle Dr is owned and occupied by two individuals who acquired it in October 2022.

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

Owner of Record2 Individual Names on File
Co-owner2 Co-owners on File
Mailing Address239 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 12, 2022Intrafamily Transfer, Transfer
Dec 10, 2020Deed of Trust, Mortgage · Line of Credit
REGIONS BANK

Assessor's Deed Record

Deed Names4 Names on Deed
Last Transfer DateOct 12, 2022
Transfer Doc0046200378
Record UpdatedJun 8, 2026

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateOct 12, 2022
Property Address239 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821
Document Number0046200378
Book / Page4620 / 378
Map ReferenceMB 13 PG 19&20
Instrument DateOct 12, 2022
Instrument2022074992
Transaction TypeTransfer
Record UpdatedNov 4, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address239 EAGLE DR, 239, PANAMA CITY BEACH, FL 32407-2821

Transferred To (Grantee/Buyer)

NameVerified Name
Address239 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address239 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address239 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821

Mortgage

Document Number0043351815
DateDec 10, 2020
Book Page4335/1815
Instrument2020083536
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35211
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueDec 10, 2050
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 239 Eagle Dr was $1,204 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City Beach
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,204.00 Homeowner's exemption$148,493$244,809 Land $63,759 Building $181,050
2023$1,416.00 (+9.68%) Homeowner's exemption$133,894 (+3%)$216,840 (+8.33%) Land $47,057 Building $169,783
2022$1,291.00 Homeowner's exemption$129,994$200,158 Land $44,001 Building $156,157

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

Flood

FEMA maps place 239 Eagle Dr in Zone X, an area of minimal flood risk, within 100 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 175 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies175 in force
Nearby Flood Claims65 (1978–2022)
Claims Outside the SFHA47 of 65
Most Recent ClaimSep 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 239 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 RiskModerate
above 60% of the US · lower than 65% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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