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

Bay County property record for 243 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,396 sqft · built 1999
Lot Size	0.467 acres (20,386 sqft)
Owner	Owner Name on File
Last Sale	$35,000 (Nov 1997)
Tax Bill	$3,891 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34024-363-000`

Property Details

APN / Parcel Number

Primary APN	`34024-363-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,396 sqft Heated Area
Gross Area	4,227 sqft
1st Floor Area	1,947 sqft
2nd Floor Area	1,449 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	20,386 sqft (0.467 acres)
Lot Dimensions	150 ft deep x 136 ft wide
Driveway	Driveway
Driveway Area	1,785 sqft

Exterior Amenities

Porch	Porch
Porch Area	831 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	243 EAGLE DR
City	PANAMA CITY BEACH
State	FL
Zip	32407-2821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB12
Legal Description	COLONY SUBD PHASE 1 LOT 63 BLK A ORB 1750 P 883
Legal Range	16W
Legal Township	03S
Legal Section	22
Legal Subdivision	COLONY
Legal Phase	1
Legal Block	A
Legal Lot Number	63
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1025
Census Tract	2703

Owner

The current owner of 243 Eagle Dr bought it in November 1997.

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

Owner of Record	Owner Name on File
Mailing Address	243 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821
Occupancy	Owner Occupied

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	Nov 17, 1997 · Amount on File
Deed Sale	Nov 17, 1997 · Amount on File
Deed Document Number	0001750883
Deed Book / Page	1750 / 883
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	243 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042550916
Date	May 27, 2020
Book Page	4255/916
Instrument	2020034022

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 18, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 243 Eagle Dr was $3,891.

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	$3,891.00	$356,537 Land $82,887 Building $273,650	$356,537 Land $82,887 Building $273,650
2023	$4,174.00 (+15.05%)	$333,292 (+7.16%) Land $61,174 Building $272,118	$333,292 (+7.16%) Land $61,174 Building $272,118
2022	$3,628.00	$311,030 Land $57,201 Building $253,829	$311,030 Land $57,201 Building $253,829

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

Flood

FEMA maps place 243 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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 243 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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