320 Oleander Dr, Panama City Beach, FL 32413 Property Records

Bay County property record for 320 Oleander Dr, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 813 sqft · built 1993
Lot Size	0.137 acres (5,967 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jun 2022)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`36789-010-000`

Property Details

APN / Parcel Number

Primary APN	`36789-010-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	813 sqft Living Area
1st Floor Area	813 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,967 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Driveway	Driveway
Driveway Area	792 sqft
Porch	Unfinished Open Porch
Porch Area	78 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	320 OLEANDER DR
City	PANAMA CITY BEACH
State	FL
Zip	32413-8931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC16
Legal Description	LAGUNA BEACH ESTATES 7TH ADD LOT 14 BLK 26 ORB 4581 P 1246
Legal Range	17W
Legal Township	03S
Legal Section	10
Legal Subdivision	LAGUNA BEACH ESTATES 7TH ADD
Legal Block	26
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1070
Census Tract	2707

Owner

320 Oleander Dr is owned and occupied by an individual who bought it in June 2022.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	320 OLEANDER DR, PANAMA CITY BEACH, FL 32413-8931
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	Jan 14, 2022 · Amount on File
Deed Document Number	202248251
Deed Book / Page	4581 / 1246
Prior Transfer Date	Jun 17, 2022
Prior Transfer Doc	0000048251
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jan 14, 2022
Property Address	320 OLEANDER DR, PANAMA CITY BEACH, FL 32413-8931
Document Number	0045120097
Book / Page	4512 / 97
Map Reference	MB 8 PG 21
Instrument Date	Jan 10, 2022
Instrument	2022003580
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	813 BROOK HOLLOW CIR SE, 813, CONYERS, GA 30094-4502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 BROOK HOLLOW CIR SE, CONYERS, GA 30094-4502

Tax Assessment & Valuation

The 2025 property tax bill for 320 Oleander Dr was $2,609, up 10.1% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$2,609.00 (+10.13%)	$203,059	$224,159 Land $160,235 Building $63,924
2024	$2,369.00 (+12.6%)
2023	$2,104.00 (+18.94%)	$165,137 (+10.44%) Land $115,522 Building $49,615	$165,137 (+10.44%) Land $115,522 Building $49,615
2022	$1,769.00	$149,531 Land $97,000 Building $52,531	$149,531 Land $97,000 Building $52,531

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

Flood

FEMA maps place 320 Oleander Dr in Zone X, an area of minimal flood risk, though there have been 47 flood claims nearby since 1995.

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 File 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

Wildfire risk around 320 Oleander Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within 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 545 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20