298 Beachside Dr, Panama City Beach, FL 32413 Property Records

Bay County property record for 298 Beachside Dr, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 4,214 sqft · built 2007
Lot Size	0.266 acres (11,587 sqft)
Owner	Company Name on File
Last Sale	$3,275,000 (Nov 2019)
Tax Bill	$43,926 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`36459-331-000`

Property Details

APN / Parcel Number

Primary APN	`36459-331-000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Stories	3 Stories
Building Area	4,214 sqft Total Area
1st Floor Area	988 sqft
2nd Floor Area	2,784 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	290 ft deep x 40 ft wide
Garage Area	636 sqft

Exterior Amenities

Pool Area	242 sqft
Porch	Porch
Porch Area	926 sqft
Fence	Fence
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	298 BEACHSIDE DR
City	PANAMA CITY BEACH
State	FL
Zip	32413-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC22
Legal Description	CARILLON BEACH PHASE VIII M6A2 LOT 12 BLK P ORB 4193 P 1146
Legal Range	17W
Legal Township	03S
Legal Section	06
Legal Subdivision	CARILLON BEACH PHASE VIII
Legal Phase	8
Legal Block	P
Legal Lot Number	12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1007
Census Tract	2707

Owner

298 Beachside Dr is owned by a company that bought it in November 2019.

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

Owner of Record	Company Name on File
Mailing Address	430 W MAIN ST, DOTHAN, AL 36301-1670
Owner Type	Company

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

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage SMARTBANK
Mar 30, 2020	Deed of Trust, Mortgage · Commercial Mortgage BBVA USA
Nov 21, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on File
Deed Sale	Nov 21, 2019 · Amount on File
Prior Sale	Jan 3, 2001 · Amount on File
Deed Document Number	2019100471
Deed Book / Page	4193 / 1146
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	298 BEACHSIDE DR, PANAMA CITY BEACH, FL 32413-1056
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 W MAIN ST, DOTHAN, AL 36301-1670

Mortgage

Document Number	0045541520
Date	Apr 25, 2022
Book Page	4554/1520
Instrument	2022030458

Lender

Name	SMARTBANK
Type	Bank
Address	DOTHAN, AL 36303

Agreement

Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	298 BEACHSIDE DR, PANAMA CITY BEACH, FL 32413-1056
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042371573
Date	Mar 30, 2020
Book Page	4237/1573
Instrument	2020022772

Lender

Name	BBVA USA
Type	Bank
Address	36233

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 25, 2040

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 21, 2019
Property Address	298 BEACHSIDE DR, PANAMA CITY BEACH, FL 32413-1056
Document Number	0041931146
Book / Page	004193 / 001146
Instrument Date	Nov 14, 2019
Instrument	100471
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$22,925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	430 W MAIN ST DOTHAN AL 363011670, DOTHAN, AL 36301-1670

Tax Assessment & Valuation

The 2025 property tax bill for 298 Beachside Dr was $43,926.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$43,926.00	$3,573,064 Land $1,971,897 Building $1,601,167	$3,573,064 Land $1,971,897 Building $1,601,167
2023	$45,061.00 (+25.43%)	$3,841,658 (+23.82%) Land $2,054,108 Building $1,787,550	$3,841,658 (+23.82%) Land $2,054,108 Building $1,787,550
2022	$35,926.00	$3,102,654 Land $1,386,680 Building $1,715,974	$3,102,654 Land $1,386,680 Building $1,715,974

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

Flood

FEMA maps place 298 Beachside Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 747 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,444 units insured incl. 697 condo units
Nearby Flood Claims	47 (1995–2026)
Claims Outside the SFHA	20 of 47
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 16 claims Hurricane Michael, Oct 2018 · 5 claims Hurricane Opal, Oct 1995 · 5 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 298 Beachside Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: WOW Internet, Cable & Phone.

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