Bay County property record for 302 Turtle Cv, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,968 sqft · built 2011 |
| Lot Size | 0.253 acres (11,064 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $437,000 (Oct 2017) |
| Tax Bill | $4,127 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36068-101-000 |
| Primary APN | 36068-101-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,968 sqft Heated Area |
| Gross Area | 4,684 sqft |
| 1st Floor Area | 1,968 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Stone |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 11,064 sqft (0.253 acres) |
| Garage Area | 440 sqft |
| Porch | Porch |
| Porch Area | 596 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 302 TURTLE CV |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-8441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PCB09 |
| Legal Description | TURTLE COVE AT LAKE POWELL LOT 1 SUBJ TO CONS ESMT OR2832 P1795 |
| Legal Range | 17W |
| Legal Township | 03S |
| Legal Section | 04 |
| Legal Subdivision | TURTLE COVE AT LAKE POWELL |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 2706 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 302 TURTLE CV, PANAMA CITY BEACH, FL 32413-8441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND |
| Oct 27, 2017 | Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2017 · Amount on Record |
| Deed Sale | Oct 27, 2017 · Amount on Record |
| Prior Sale | Jun 29, 2011 · Amount on Record |
| Deed Document Number | 2017062480 |
| Deed Book / Page | 3949 / 2274 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 302 TURTLE CV, PANAMA CITY BEACH, FL 32413-8441 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 302 TURTLE CV, PANAMA CITY BEACH, FL 32413-8441 |
| Document Number | 0043860715 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 4386/715 |
| Instrument | 2021024674 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 27, 2017 |
| Property Address | 302 TURTLE CV, PANAMA CITY BEACH, FL 32413-8441 |
| Document Number | 0039492274 |
| Book / Page | 003949 / 002274 |
| Instrument Date | Oct 25, 2017 |
| Instrument | 62480 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,059.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10811 FRONT BEACH RD #301 PANAMA CITY FL 324076512, 301, PANAMA CITY, FL 32407-6512 |
| Document Number | 39492276 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 003949/002276 |
| Instrument | 62481 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 26, 2047 |
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 | $4,127.00 (-11.02%) Homeowner's exemption | $416,359 (+5.99%) | $749,931 (+12.74%) Land $187,821 Building $562,110 |
| 2023 | $4,638.00 (+16.65%) Homeowner's exemption | $392,840 (+5.99%) | $665,209 (+24.88%) Land $100,867 Building $564,342 |
| 2022 | $3,976.00 Homeowner's exemption | $370,632 | $532,679 Land $102,000 Building $430,679 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 68 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 90 units insured incl. 22 condo units |
| Nearby Flood Claims | 11 (1988–2020) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 196 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 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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