36 Gulf Loop, Panama City Beach, FL 32408 Property Records

Bay County property record for 36 Gulf Loop, Panama City Beach, FL 32408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 2023
Lot Size	0.019 acres (827 sqft)
Owner	Individual Name on Record
Last Sale	$589,000 (Jun 2026)
Tax Bill	$5,744 (2025)
Deeds & Mortgages	Jun 2026 Sale Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31439-123-000`

Property Details

APN / Parcel Number

Primary APN	`31439-123-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	1,078 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	827 sqft (0.019 acres)
Garage Type	Carport
Garage Area	144 sqft
Carport	Carport
Carport Area	144 sqft
Driveway	Driveway
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	36 GULF LOOP
City	PANAMA CITY
State	FL
Zip	32408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC16
Legal Description	VENTURE OUT TRAVEL TRAIL LOT 123 BLK 1 ORB 296 P 27 . ORB 4754 P 371
Legal Range	15W
Legal Township	04S
Legal Section	16
Legal Subdivision	VENTURE OUT TRAVEL TRAIL
Legal Block	1
Legal Lot Number	123
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1037
Census Tract	2607

Owner

Source: Bay County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3513 CHIANTI CIR, MURFREESBORO, TN 37129-4274
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SERVICES
Dec 4, 2023	Warranty Deed, Transfer · Conventional Mortgage HILL RE LLC
Jul 19, 2022	Special Warranty Deed, Transfer SETCO SERVICES LLC
Feb 9, 2022	Warranty Deed, Transfer SETCO SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	May 28, 2025 · Amount on Record
Deed Document Number	202638614
Deed Book / Page	5049 / 1105
Prior Transfer Date	Mar 15, 2010
Prior Transfer Doc	0000021755
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 25, 2026
Property Address	36 GULF LOOP, PANAMA CITY, FL 32408
Document Number	0000038614
Book / Page	5049 / 1105
Instrument Date	Jun 24, 2026
Instrument	202638614
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	SETCO SERVICES LLC, SETCO SERVICES

Transaction

Amount	Amount Recorded
Tax	$416,423.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3513 CHIANTI CIR, MURFREESBORO, TN 37129-4274

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 4, 2023
Property Address	36 GULF LOOP, PANAMA CITY BEACH, FL 32408
Document Number	0047540371
Book / Page	4754 / 371
Map Reference	MB 789 PG 650
Instrument Date	Nov 30, 2023
Instrument	2023075109
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 RIVERSIDE DR, JACKSON, GA 30233-4004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1178 CAMPGROUND RD, MCDONOUGH, GA 30252-2546
Investor	Possibly a Property Investor

Mortgage

Document Number	0004754373
Date	Dec 4, 2023
Instrument	4754/373

Lender

Name	HILL RE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Jun 1, 2025

July 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 19, 2022
Property Address	36 GULF LOOP, PANAMA CITY BEACH, FL 32408
Document Number	0045891132
Book / Page	4589 / 1132
Map Reference	MB 296 PG 27
Instrument Date	Jul 15, 2022
Instrument	2022053589
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$2,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1307 N SLAPPEY BLVD, ALBANY, GA 31701-1426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 RIVERSIDE DR, JACKSON, GA 30233-4004

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 9, 2022
Property Address	36 GULF LOOP, PANAMA CITY BEACH, FL 32408
Document Number	0045211802
Book / Page	4521 / 1802
Map Reference	MB 809 PG 387
Instrument Date	Feb 4, 2022
Instrument	2022009530
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$1,610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 N MAIN ST, HUNTINGBURG, IN 47542-1050

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1307 N SLAPPEY BLVD, ALBANY, GA 31701-1426

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,744.00 (+119.24%)	$463,985 (+121.41%) Land $218,075 Building $245,910	$463,985 (+121.41%) Land $218,075 Building $245,910
2023	$2,620.00 (+41.16%)	$209,563 (+20.55%) Land $205,726 Building $3,837	$209,563 (+20.55%) Land $205,726 Building $3,837
2022	$1,856.00	$173,837 Land $170,000 Building $3,837	$173,837 Land $170,000 Building $3,837

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

Flood

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 Record median of 311 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,268 units insured incl. 957 condo units
Nearby Flood Claims	254 (1978–2023)
Claims Outside the SFHA	161 of 254
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 46 claims Hurricane Frances, Sep 2004 · 8 claims Hurricane Opal, Oct 1995 · 130 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 178 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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