Bay County property record for 321 Eagle Dr, Panama City Beach, FL 32407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,111 sqft · built 2000 |
| Lot Size | 0.367 acres (15,986 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $253,000 (Apr 2015) |
| Tax Bill | $3,065 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Nov 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34024-306-000 |
| Primary APN | 34024-306-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,111 sqft Living Area |
| Gross Area | 2,552 sqft |
| 1st Floor Area | 2,111 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 15,986 sqft (0.367 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 480 sqft |
| Pool Area | 600 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 138 sqft |
| Patio Area | 360 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 321 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 6 BLK A ORB 4244 P 1753 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Subdivision | COLONY SUBD |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 2703 |
321 Eagle Dr is owned and occupied by two individuals who acquired it in April 2020.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Apr 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Apr 21, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage LOANPAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2015 · Amount on File |
| Deed Sale | Apr 21, 2015 · Amount on File |
| Prior Sale | Mar 26, 2014 · Amount on File |
| Deed Document Number | 201521408 |
| Deed Book / Page | 3692 / 1338 |
| Last Transfer Date | Apr 15, 2020 |
| Transfer Doc | 0042441753 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 321 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 321 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Document Number | 0047911700 |
|---|---|
| Date | Apr 11, 2024 |
| Book Page | 4791/1700 |
| Instrument | 2024020981 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 321 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 321 EAGLE DR, P C BEACH, FL 32407-2823 |
| Document Number | 0046320172 |
|---|---|
| Date | Nov 18, 2022 |
| Book Page | 4632/172 |
| Instrument | 2022083396 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 21, 2020 |
| Property Address | 321 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Document Number | 0042441753 |
| Book / Page | 4244 / 1753 |
| Map Reference | MB 13 PG 19 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 2020027225 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 321 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Document Number | 0042441756 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 4244/1756 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2035 |
The 2025 property tax bill for 321 Eagle Dr was $3,065, down 7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $3,065.00 (-6.98%) | $279,251 | $282,643 Land $63,759 Building $218,884 |
| 2024 | $3,295.00 (+3.62%) | ||
| 2023 | $3,180.00 (+14.31%) | $250,914 (+6.61%) Land $47,057 Building $203,857 | $250,914 (+6.61%) Land $47,057 Building $203,857 |
| 2022 | $2,782.00 | $235,351 Land $44,001 Building $191,350 | $235,351 Land $44,001 Building $191,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 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 321 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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