Bay County property record for 320 Highbrook Rd, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,918 sqft · built 2019 |
| Lot Size | 0.223 acres (9,714 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Jul 2022) |
| Tax Bill | $2,956 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 07379-900-070 |
| Primary APN | 07379-900-070 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,918 sqft Heated Area |
| Gross Area | 3,730 sqft |
| 1st Floor Area | 2,918 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,714 sqft (0.223 acres) |
| Lot Dimensions | 150 ft deep x 65 ft wide |
| Driveway | Driveway |
| Driveway Area | 812 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 320 HIGHBROOK RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRIDGE HARBOR INLET LOT 14 ORB 4587 P 692 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 20 |
| Legal Subdivision | BRIDGE HARBOR INLET |
| Legal Lot Number | 14 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 806 |
320 Highbrook Rd is owned and occupied by an individual who bought it in July 2022.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 320 HIGHBROOK RD, PANAMA CITY, FL 32404-9811 |
| 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 |
|---|---|
| Jul 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Apr 19, 2021 | Warranty Deed, Transfer · VA Mortgage INLANTA MORTGAGE INC |
| Feb 3, 2020 | Warranty Deed, Subdivision Related Transfer DHI TITLE/FL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2022 · Amount on File |
| Deed Sale | Jul 13, 2022 · Amount on File |
| Prior Sale | Apr 19, 2021 · Amount on File |
| Deed Document Number | 2022052031 |
| Deed Book / Page | 4587 / 692 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 13, 2022 |
| Property Address | 320 HIGHBROOK RD, PANAMA CITY, FL 32404-9811 |
| Document Number | 0045870692 |
| Book / Page | 4587 / 692 |
| Map Reference | MB 26 PG 42 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022052031 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 169 SPIKES CIR, 169, PANAMA CITY, FL 32409-1771 |
| Name | Verified Name |
|---|---|
| Address | 320 HIGHBROOK RD, PANAMA CITY, FL 32404-9811 |
| Document Number | 0004587694 |
|---|---|
| Date | Jul 13, 2022 |
| Instrument | 4587/694 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 19, 2021 |
| Property Address | 320 HIGHBROOK RD, PANAMA CITY, FL 32404-9811 |
| Document Number | 0043921961 |
| Book / Page | 4392 / 1961 |
| Map Reference | MB 26 PG 42 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 2021028535 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 520 17TH PL, 520, MUKILTEO, WA 98275-2105 |
| Name | Verified Name |
|---|---|
| Address | 320 HIGHBROOK RD, PANAMA CITY, FL 32404-9811 |
| Document Number | 0043921963 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 4392/1963 |
| Name | INLANTA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 3, 2020 |
| Property Address | 320 HIGHBROOK RD, PANAMA CITY, FL 32404-9811 |
| Document Number | 0042171491 |
| Book / Page | 004217 / 001491 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 8217 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 18, 2020 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,532.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 HIGHBROOK RD CALLAWAY FL 324049811, CALLAWAY, FL 32404-9811 |
The 2025 property tax bill for 320 Highbrook Rd was $2,956 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,956.00 Homeowner's exemption | $256,575 | $389,692 Land $53,400 Building $336,292 |
| 2023 | $2,805.00 (-28.93%) Homeowner's exemption | $242,081 (-20.78%) | $376,849 (+23.32%) Land $56,900 Building $319,949 |
| 2022 | $3,947.00 | $305,585 Land $50,000 Building $255,585 | $305,585 Land $50,000 Building $255,585 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Highbrook Rd 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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 319 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 319 in force |
| Nearby Flood Claims | 55 (1995–2023) |
| Claims Outside the SFHA | 9 of 55 |
| Most Recent Claim | Sep 2023 · rainfall accumulation |
| 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 320 Highbrook Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 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 414 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures