Bay County property record for 265 Eagle Dr, Panama City Beach, FL 32407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,309 sqft · built 2002 |
| Lot Size | 0.728 acres (31,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $610,000 (Apr 2024) |
| Tax Bill | $3,241 (2024) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34024-368-000 |
| Primary APN | 34024-368-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,309 sqft Heated Area |
| Gross Area | 3,983 sqft |
| 1st Floor Area | 2,309 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 31,712 sqft (0.728 acres) |
| Lot Dimensions | 154 ft deep x 206 ft wide |
| Garage Area | 693 sqft |
| Driveway | Driveway |
| Driveway Area | 800 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 669 sqft |
| Deck Area | 105 sqft |
| Patio Area | 168 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 265 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 68 BLK A ORB 4790 P 2071 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Subdivision | COLONY |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 68 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 2703 |
265 Eagle Dr is owned and occupied by an individual who bought it in April 2024.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 265 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821 |
| 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 |
|---|---|
| Apr 9, 2024 | Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| Sep 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2024 · Amount on File |
| Deed Sale | Apr 9, 2024 · Amount on File |
| Deed Document Number | 2024020367 |
| Deed Book / Page | 4790 / 2071 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 9, 2024 |
| Property Address | 265 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821 |
| Document Number | 0047902071 |
| Book / Page | 4790 / 2071 |
| Map Reference | MB 13 PG 19 |
| Instrument Date | Apr 5, 2024 |
| Instrument | 2024020367 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2024 |
| Title Company | DIAMOND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3403 HIGH CLIFF RD, PANAMA CITY, FL 32409-4425 |
| Name | Verified Name |
|---|---|
| Address | 265 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821 |
| Document Number | 0047902073 |
|---|---|
| Date | Apr 9, 2024 |
| Instrument | 4790/2073 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 265 EAGLE DR, PANAMA CITY BEACH, FL 32407-2821 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0044640290 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 4464/290 |
| Instrument | 2021072851 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City Beach |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $523,221 Land $82,887 Building $440,334 | $523,221 Land $82,887 Building $440,334 | |
| 2024 | $3,241.00 (+2.5%) | ||
| 2023 | $3,162.00 (+10.83%) Homeowner's exemption | $282,339 (+3%) | $311,008 (+7.29%) Land $61,174 Building $249,834 |
| 2022 | $2,853.00 Homeowner's exemption | $274,116 | $289,863 Land $57,201 Building $232,662 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 265 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 |
|
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 risk around 265 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 66% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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