317 Memory Ln, Panama City Beach, FL 32413 Property Records

Bay County property record for 317 Memory Ln, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,474 sqft · built 1994
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Last Sale	$777,500 (Dec 2024)
Tax Bill	$7,452 (2025)
Deeds & Mortgages	Sep 2023 Transfer May 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`36459-718-000`

Property Details

APN / Parcel Number

Primary APN	`36459-718-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,474 sqft Heated Area
Gross Area	2,259 sqft
1st Floor Area	1,474 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2014
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	140 ft deep x 78 ft wide
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	918 sqft

Exterior Amenities

Porch	Porch
Porch Area	344 sqft
Patio Area	100 sqft
Lawn Sprinklers	Lawn Sprinklers
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	317 MEMORY LN
City	PANAMA CITY BEACH
State	FL
Zip	32413-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	SOUTHFIELD SECTION 1 LOT 9 BLK A ORB 4864 P 1019
Legal Range	17W
Legal Township	03S
Legal Section	05
Legal Subdivision	SOUTHFIELDS SEC ONE
Legal Block	A
Legal Lot Number	9
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1016
Census Tract	2707

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	7919 E COUNTY HIGHWAY 30A, INLET BEACH, FL 32461-7029
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 10, 2022	Warranty Deed, Transfer · Conventional Mortgage EAVE INC
Jan 7, 2022	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
Jan 17, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Jun 3, 2020	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
Apr 4, 2017	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2024 · Amount on Record
Deed Sale	Dec 2, 2024 · Amount on Record
Prior Sale	Nov 13, 2024
Deed Document Number	2024070096
Deed Book / Page	4864 / 1019
Record Updated	Jun 8, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 21, 2023
Property Address	317 MEMORY LN, PANAMA CITY BEACH, FL 32413-3205
Document Number	0047322078
Book / Page	4732 / 2078
Map Reference	MB 13 PG 61
Instrument Date	Aug 30, 2023
Instrument	2023060022
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9872 QUAY WAY, BROOMFIELD, CO 80021-5419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9872 QUAY WAY, BROOMFIELD, CO 80021-5419

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 10, 2022
Property Address	317 MEMORY LN, PANAMA CITY BEACH, FL 32413-3205
Document Number	0045612085
Book / Page	4561 / 2085
Map Reference	MB 13 PG 61
Instrument Date	May 6, 2022
Instrument	2022035281
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	253 DEERMONT ST, 253, PANAMA CITY BEACH, FL 32413-1902

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	13665 W 71ST PL, ARVADA, CO 80004-1122

Mortgage

Document Number	0045612087
Date	May 10, 2022
Instrument	4561/2087

Lender

Name	EAVE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	317 MEMORY LN, PANAMA CITY BEACH, FL 32413-3205
Transaction Type	Mortgage
Record Updated	Jan 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 MEMORY LN, PANAMA CITY BEACH, FL 32413-3205

Mortgage

Document Number	0045082385
Date	Jan 7, 2022
Book Page	4508/2385
Instrument	2022001759

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	317 MEMORY LN, PANAMA CITY BEACH, FL 32413-3205
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038651248
Date	Jan 17, 2017
Book Page	3865/1248
Instrument	2017002165

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	317 MEMORY LN, PANAMA CITY BEACH, FL 32413-3205
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042560447
Date	May 28, 2020
Book Page	4256/447
Instrument	2020034488

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	317 MEMORY LN, PANAMA CITY BEACH, FL 32413-3205
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042580640
Date	Jun 3, 2020
Book Page	4258/640
Instrument	2020035834

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	317 MEMORY LN, PANAMA CITY BEACH, FL 32413-3205
Document Number	0038920416
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7455 CHANCELLOR DR BELLE ISLE FL 328096213, BELLE ISLE, FL 32809-6213

Mortgage

Document Number	0038920416
Date	Apr 18, 2017
Book Page	003892/000416
Instrument	21288

Lender

Name	SUNTRUST BK
Type	Bank
Address	BELLE ISLE, FL 32809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2047

Tax Assessment & Valuation

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	$7,452.00 (+5.91%)	$606,215 (+8.33%) Land $141,047 Building $465,168	$606,215 (+8.33%) Land $141,047 Building $465,168
2023	$7,036.00 (+184.63%)	$559,594 (+125.28%) Land $115,047 Building $444,547	$559,594 (+56.97%) Land $115,047 Building $444,547
2022	$2,472.00 Homeowner's exemption	$248,395	$356,492 Land $104,012 Building $252,480

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% 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 453 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	1,000 / 75

May also be available: AT&T.

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