1. Home
  2. Florida
  3. Bay County
  4. Panama City
  5. Ryder Ln

252 Ryder Ln, Panama City, FL 32404 Property Records

Bay County property record for 252 Ryder Ln, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,552 sqft · built 2022
Lot Size0.244 acres (10,628 sqft)
OwnerCompany Name on Record
Last Sale$379,227 (Apr 2022)
Tax Bill$4,637 (2025)
Deeds & MortgagesApr 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07379-925-475

Property Details

APN / Parcel Number

Primary APN07379-925-475

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,552 sqft Living Area
Gross Area2,912 sqft
1st Floor Area2,552 sqft
FlooringVinyl/Resilient

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,628 sqft (0.244 acres)
Lot Dimensions140 ft deep x 65 ft wide
Garage TypeAttached
Garage Area360 sqft
DrivewayDriveway
Driveway Area544 sqft
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address252 RYDER LN
CityPANAMA CITY
StateFL
Zip32404-9815
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDUNES AT BRIDGE HARBOR LOT 95 ORB 4548 P 1485
Legal SubdivisionDUNES AT BRIDGE HARBOR
Legal Lot Number95
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2014
Census Tract806

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address252 RYDER LN, PANAMA CITY, FL 32404-9815
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 11, 2022 · Amount on Record
Deed SaleApr 11, 2022 · Amount on Record
Deed Document Number202226565
Deed Book / Page4548 / 1485
Record UpdatedSep 20, 2026

April 2022: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateApr 11, 2022
Property Address252 RYDER LN, PANAMA CITY, FL 32404-9815
Document Number0045481485
Book / Page4548 / 1485
Map ReferenceMB 28 PG 54
Instrument DateMar 25, 2022
Instrument2022026565
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 15, 2024
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,655.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address17745 ASHLEY DR, PANAMA CITY BEACH, FL 32413-5120

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address252 RYDER LN, PANAMA CITY, FL 32404-9815

Mortgage

Document Number0045481501
DateApr 11, 2022
Instrument4548/1501
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2052

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,637.00 (+3.32%)$338,677 (+3.42%) Land $53,400 Building $285,277$338,677 (+3.42%) Land $53,400 Building $285,277
2024$4,488.00 (-1.34%)
2023$4,549.00 (+2,575.88%)$327,470 (+2,378.96%) Land $56,900 Building $270,570$327,470 (+2,378.96%) Land $56,900 Building $270,570
2022$170.00$13,210 Land $13,210$13,210 Land $13,210

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

Flood

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 319 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies319 in force
Nearby Flood Claims55 (1995–2023)
Claims Outside the SFHA9 of 55
Most Recent ClaimSep 2023 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 3 claims
  • Hurricane Michael, Oct 2018 · 34 claims
  • Hurricane Opal, Oct 1995 · 4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 498 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

Nearby Properties on Ryder Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures