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

Bay County property record for 314 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,512 sqft · built 2019
Lot Size	0.691 acres (30,100 sqft)
Owner	2 Individual Names on File
Last Sale	$114,000 (Jun 2018)
Tax Bill	$5,422 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34024-381-000`

Property Details

APN / Parcel Number

Primary APN	`34024-381-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,512 sqft Heated Area
Gross Area	3,953 sqft
1st Floor Area	2,512 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stone
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	30,100 sqft (0.691 acres)
Lot Dimensions	170 ft deep x 226 ft wide
Driveway	Driveway
Driveway Area	1,176 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	314 EAGLE DR
City	PANAMA CITY BEACH
State	FL
Zip	32407-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB12
Legal Description	COLONY SUB PHASE 2 LOT 70 ORB 4017 P 643
Legal Range	16W
Legal Township	03S
Legal Section	22
Legal Subdivision	COLONY SUB PHASE 2
Legal Phase	2
Legal Block	B
Legal Lot Number	70
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1026
Census Tract	2703

Owner

314 Eagle Dr is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	314 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Nov 16, 2018	Loan Modification, Mortgage COMMUNITY BK/MS
Jun 12, 2018	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BK/MS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2018 · Amount on File
Deed Sale	Jun 12, 2018 · Amount on File
Deed Document Number	2018034726
Deed Book / Page	4017 / 0643
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	314 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041682050
Date	Sep 17, 2019
Book Page	4168/2050
Instrument	2019082413

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	314 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042610753
Date	Jun 11, 2020
Book Page	4261/753
Instrument	2020037814

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	314 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Document Number	0040630089
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	506 PALM AVE PANAMA CITY FL 324132616, PANAMA CITY, FL 32413-2616

Mortgage

Document Number	0040630089
Date	Nov 26, 2018
Book Page	004063/000089
Instrument	67853

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Amount	Amount on Record

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 12, 2018
Property Address	314 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Document Number	0040170643
Book / Page	004017 / 000643
Instrument Date	Jun 6, 2018
Instrument	34726
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	116 TWILIGHT BAY DR PANAMA CITY FL 324072857, PANAMA CITY, FL 32407-2857

Mortgage

Document Number	40170645
Date	Jun 12, 2018
Book Page	004017/000645
Instrument	34727

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 11, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 314 Eagle Dr was $5,422 with a homeowner's exemption.

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

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,422.00 Homeowner's exemption	$535,019 Land $76,511 Building $458,508	$535,019 Land $76,511 Building $458,508
2023	$5,944.00 (+8.33%)	$479,326 (-0.3%) Land $79,996 Building $399,330	$479,326 (-0.3%) Land $79,996 Building $399,330
2022	$5,487.00	$480,746 Land $110,002 Building $370,744	$480,746 Land $110,002 Building $370,744

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

Flood

FEMA maps place 314 Eagle Dr in Zone X, an area of minimal flood risk, within 500 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 500 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	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 314 Eagle Dr is moderate, ranking above 61% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 49 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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