348 Eagle Dr, Panama City Beach, FL 32407 Property Records

Bay County property record for 348 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,476 sqft · built 1984
Lot Size	0.526 acres (22,956 sqft)
Owner	2 Owner Names on File
Last Sale	$242,000 (Apr 2003)
Tax Bill	$2,350 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34024-332-000`

Property Details

APN / Parcel Number

Primary APN	`34024-332-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,476 sqft Heated Area
Gross Area	5,226 sqft
1st Floor Area	1,400 sqft
2nd Floor Area	1,076 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	22,956 sqft (0.526 acres)
Lot Dimensions	164 ft deep x 140 ft wide
Garage Area	782 sqft

Exterior Amenities

Pool Area	560 sqft
Porch	Porch
Porch Area	968 sqft
Deck Area	1,000 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	348 EAGLE DR
City	PANAMA CITY BEACH
State	FL
Zip	32407-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB12
Legal Description	COLONY SUBD PHASE 1 LOT 32 & BEG NLY COR LOT 32 TH NELY 38,76' SELY 169.77'
Legal Range	16W
Legal Township	03S
Legal Section	22
Legal Subdivision	COLONY
Legal Phase	1
Legal Block	A
Legal Lot Number	32
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1025
Census Tract	2703

Owner

The current owner of 348 Eagle Dr bought it in April 2003.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Owner Names on File
Mailing Address	348 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Occupancy	Owner Occupied

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

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MORTGAGE LLC
Jun 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2003 · Amount on File
Deed Sale	Apr 30, 2003 · Amount on File
Deed Document Number	0022711221
Deed Book / Page	2271 / 1221
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	348 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834

Mortgage

Document Number	0045120325
Date	Jan 18, 2022
Book Page	4512/325
Instrument	2022003652

Lender

Name	ACCELERATE MORTGAGE LLC
Type	Mortgage Company
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	348 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Document Number	0041401562
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	348 EAGLE DR PANAMA CITY BEACH FL 324072834, PANAMA CITY BEACH, FL 32407-2834

Mortgage

Document Number	0041401562
Date	Jul 2, 2019
Book Page	004140/001562
Instrument	60800

Lender

Name	US SMALL BUSN ADMN
Address	PANAMA CITY, FL 32407

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 348 Eagle Dr was $2,350 with exemptions applied.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City Beach
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,350.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$258,515	$310,282 Land $95,638 Building $214,644
2023	$2,482.00 (+11.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$243,912 (+3%)	$281,831 (+7%) Land $70,585 Building $211,246
2022	$2,229.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$236,808	$263,387 Land $66,001 Building $197,386

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

Flood

FEMA maps place 348 Eagle Dr in Zone X, an area of minimal flood risk, within 500 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 500 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	Hurricane Frances, Sep 2004 · 2 claims Hurricane Georges, Sep 1998 · 6 claims Hurricane Opal, Oct 1995 · 35 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 348 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.

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 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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