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

Bay County property record for 301 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,969 sqft
Lot Size	0.367 acres (15,986 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Jan 2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`34024-301-000`

Property Details

APN / Parcel Number

Primary APN	`34024-301-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,969 sqft Living Area
Gross Area	4,544 sqft
1st Floor Area	2,969 sqft

Exterior

Lot Area	15,986 sqft (0.367 acres)
Lot Dimensions	160 ft deep x 100 ft wide
Porch	Porch
Porch Area	311 sqft
Total Buildings	3 Buildings

Location & Zoning

Street Address	301 EAGLE DR
City	PANAMA CITY BEACH
State	FL
Zip	32407-2823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB12
Legal Description	COLONY SUBD PHASE 1 LOT 1 BLK A ORB 3228 P 1057
Legal Block	A
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1025
Census Tract	2703

Owner

301 Eagle Dr is owned and occupied by two individuals who bought it in January 2026.

Source: Bay County records, as of February 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	301 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Oct 16, 2003 · Amount on File
Deed Document Number	20263450
Deed Book / Page	4993 / 2117
Prior Transfer Date	Mar 17, 2010
Prior Transfer Doc	0032281057
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 20, 2026
Property Address	301 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823
Document Number	0049932117
Book / Page	4993 / 2117
Map Reference	MB 13 PG 19&20
Instrument Date	Jan 16, 2026
Instrument	2026003450
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,795.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1702 CHERRY ST, PANAMA CITY, FL 32401-4018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823

Mortgage

Document Number	0049932120
Date	Jan 20, 2026
Instrument	4993/2120

Lender

Name	CAPITAL FINANCIAL GROUP CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.99%
Index	1-Year CMT
Max Rate	9.99%

Tax Assessment & Valuation

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

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	Assessed Value	Assessed Market Value
2025	$294,071	$333,369 Land $63,759 Building $269,610

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

Flood

FEMA maps place 301 Eagle Dr in Zone AE, a high-risk 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 301 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.

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 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