Bay County property record for 346 Beachside Dr, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,165 sqft · built 1994 |
| Lot Size | 0.157 acres (6,882 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $111,000 (Aug 1992) |
| Tax Bill | $24,300 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | 36459-105-000 |
| Primary APN | 36459-105-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,165 sqft Total Area |
| 1st Floor Area | 238 sqft |
| 2nd Floor Area | 1,632 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 6,882 sqft (0.157 acres) |
| Lot Dimensions | 230 ft deep x 30 ft wide |
| Garage Area | 533 sqft |
| Driveway | Driveway |
| Driveway Area | 345 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 762 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 346 BEACHSIDE DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-1030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC22 |
| Legal Description | CARILLON BEACH PHASE I LOT 5 BLK A 6AB 1386 P 729 6A2 |
| Legal Range | 17W |
| Legal Township | 03S |
| Legal Section | 05 |
| Legal Subdivision | CARILLON BEACH PHASE I |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 2707 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 346 BEACHSIDE DR, PANAMA CITY BEACH, FL 32413-1030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 1992 · Amount on Record |
| Deed Sale | Aug 7, 1992 · Amount on Record |
| Deed Document Number | 0001386729 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $24,300.00 (+3.71%) | $2,066,157 (-8.07%) Land $1,230,575 Building $835,582 | $2,066,157 (-8.07%) Land $1,230,575 Building $835,582 |
| 2023 | $23,431.00 (+27.94%) | $2,247,472 (+29.07%) Land $1,446,618 Building $800,854 | $2,247,472 (+29.07%) Land $1,446,618 Building $800,854 |
| 2022 | $18,314.00 | $1,741,324 Land $976,578 Building $764,746 | $1,741,324 Land $976,578 Building $764,746 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 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.
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 217 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: WOW Internet, Cable & Phone.
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