Bay County property record for 305 Eagle Dr, Panama City Beach, FL 32407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,334 sqft · built 2012 |
| Lot Size | 0.367 acres (15,987 sqft) |
| Owner | Individual Name on File |
| Last Sale | $520,000 (Jun 2021) |
| Tax Bill | $4,619 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34024-302-000 |
| Primary APN | 34024-302-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,334 sqft Heated Area |
| Gross Area | 3,440 sqft |
| 1st Floor Area | 2,334 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 15,987 sqft (0.367 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Garage Area | 624 sqft |
| Driveway | Driveway |
| Driveway Area | 704 sqft |
| Pool Area | 276 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 482 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 305 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 2 BLK A ORB 4421 P 1798 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Subdivision | COLONY |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 2703 |
305 Eagle Dr is owned and occupied by an individual who bought it in June 2021.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 305 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| 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 |
|---|---|
| Jun 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage INNOVATIONS FCU |
| Sep 30, 2020 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2021 · Amount on File |
| Deed Sale | Jun 17, 2021 · Amount on File |
| Prior Sale | Oct 5, 2016 · Amount on File |
| Deed Document Number | 2021046155 |
| Deed Book / Page | 4421 / 1798 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 17, 2021 |
| Property Address | 305 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Document Number | 0044211798 |
| Book / Page | 4421 / 1798 |
| Map Reference | MB 13 PG 19&20 |
| Instrument Date | Jun 16, 2021 |
| Instrument | 2021046155 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2021 |
| Title Company | DEFENDER TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5004 THOMAS DR UNIT 705, 5004, PANAMA CITY BEACH, FL 32408-6978 |
| Name | Verified Name |
|---|---|
| Address | 305 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Document Number | 44211800 |
|---|---|
| Date | Jun 17, 2021 |
| Instrument | 4421/1800 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 305 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 305 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Document Number | 0043040861 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 4304/861 |
| Instrument | 2020064206 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 21, 2035 |
The 2025 property tax bill for 305 Eagle Dr was $4,619 with a homeowner's exemption.
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 | $4,619.00 Homeowner's exemption | $461,406 | $461,708 Land $63,759 Building $397,949 |
| 2023 | $5,046.00 (+13.52%) Homeowner's exemption | $435,342 (+3%) | $446,640 (+5.67%) Land $47,057 Building $399,583 |
| 2022 | $4,445.00 Homeowner's exemption | $422,662 Land $44,001 Building $378,661 | $422,662 Land $44,001 Building $378,661 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 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 305 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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