Bay County property record for 345 Eagle Dr, Panama City Beach, FL 32407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,995 sqft · built 1987 |
| Lot Size | 0.546 acres (23,784 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Feb 2011) |
| Tax Bill | $1,702 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34024-312-000 |
| Primary APN | 34024-312-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,995 sqft Heated Area |
| Gross Area | 2,980 sqft |
| 1st Floor Area | 1,995 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 23,784 sqft (0.546 acres) |
| Lot Dimensions | 195 ft deep x 122 ft wide |
| Garage Area | 525 sqft |
| Pool Area | 392 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 460 sqft |
| Patio Area | 560 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 345 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 12 BLK A ORB 3306 P 494 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Subdivision | COLONY |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 2703 |
345 Eagle Dr is owned and occupied by an individual who bought it in February 2011.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 345 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2011 · Amount on File |
| Deed Sale | Feb 28, 2011 · Amount on File |
| Deed Document Number | 0003306494 |
| Deed Book / Page | 3306 / 494 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 345 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 345 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823 |
| Document Number | 0043492196 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 4349/2196 |
| Instrument | 2021002422 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32408 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 345 Eagle Dr was $1,702 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,702.00 Homeowner's exemption | $194,102 | $248,864 Land $63,759 Building $185,105 |
| 2023 | $1,973.00 (+10.35%) Homeowner's exemption | $183,138 (+3%) | $224,392 (+7.96%) Land $47,057 Building $177,335 |
| 2022 | $1,788.00 Homeowner's exemption | $177,804 | $207,856 Land $44,001 Building $163,855 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 345 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 345 Eagle Dr is moderate, ranking above 56% 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 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 96 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 |
May also be available: AT&T.
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