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

Bay County property record for 357 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,158 sqft · built 1990
Lot Size	0.516 acres (22,477 sqft)
Owner	Individual Name on File
Last Sale	$900,000 (Aug 2023)
Tax Bill	$8,134 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34024-315-000`

Property Details

APN / Parcel Number

Primary APN	`34024-315-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,158 sqft Heated Area
Gross Area	6,156 sqft
1st Floor Area	3,613 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	22,477 sqft (0.516 acres)
Lot Dimensions	225 ft deep x 100 ft wide
Garage Area	625 sqft

Exterior Amenities

Pool Area	576 sqft
Porch	Porch
Porch Area	786 sqft
Patio Area	1,128 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	357 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 15 BLK A ORB 4720 P 2107
Legal Range	16W
Legal Township	03S
Legal Section	22
Legal Subdivision	COLONY
Legal Phase	1
Legal Block	A
Legal Lot Number	15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1025
Census Tract	2703

Owner

357 Eagle Dr is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	357 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	Apr 27, 2006 · Amount on File
Deed Document Number	2023051818
Deed Book / Page	4720 / 2107
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 16, 2023
Property Address	357 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823
Document Number	0047202107
Book / Page	4720 / 2107
Map Reference	MB 13 PG 19
Instrument Date	Aug 15, 2023
Instrument	2023051818
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	357 EAGLE DR, PANAMA CITY BEACH, FL 32407-2823

Mortgage

Document Number	0047202114
Date	Aug 16, 2023
Instrument	4720/2114

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 357 Eagle Dr was $8,134 with a homeowner's exemption.

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	$8,134.00 Homeowner's exemption	$783,464 Land $63,759 Building $719,705	$783,464 Land $63,759 Building $719,705
2023	$3,895.00 (+28.42%) Homeowner's exemption	$334,695 (+11.89%)	$634,321 (+59.52%) Land $47,057 Building $587,264
2022	$3,033.00 Homeowner's exemption	$299,119	$397,638 Land $44,001 Building $353,637

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 357 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 357 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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