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

Bay County property record for 372 Eagle Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,468 sqft · built 1986
Lot Size	0.396 acres (17,249 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Sep 2012)
Tax Bill	$1,700 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`34024-325-000`

Property Details

APN / Parcel Number

Primary APN	`34024-325-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,468 sqft Living Area
Gross Area	2,930 sqft
1st Floor Area	2,468 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	17,249 sqft (0.396 acres)
Lot Dimensions	157 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Unfinished Open Porch
Porch Area	492 sqft
Deck Area	Deck Area
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	372 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 25 BLK A ORB 3442 P 1364
Legal Range	16W
Legal Township	03S
Legal Section	22
Legal Subdivision	COLONY SUBD
Legal Phase	1
Legal Block	A
Legal Lot Number	25
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1025
Census Tract	2703

Owner

372 Eagle Dr is owned and occupied by an individual who bought it in September 2012.

Source: Bay County records, as of May 7, 2026

Owner of Record	Individual Name on File
Mailing Address	372 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
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

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Line of Credit BELLO CREDIT UNION
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit BELLO CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2012 · Amount on File
Deed Sale	Sep 18, 2012 · Amount on File
Prior Sale	Dec 2, 2002 · Amount on File
Deed Document Number	201250914
Deed Book / Page	3442 / 1364
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Apr 9, 2026
Property Address	372 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Document Number	0000021289
Book / Page	5022 / 1079
Instrument Date	Apr 2, 2026
Instrument	202621289
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834

Mortgage

Document Number	0000021289,
Date	Apr 9, 2026
Book Page	5022/1079
Instrument	202621289

Lender

Name	BELLO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Apr 24, 2026
Property Address	372 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834
Document Number	0000024464
Book / Page	5027 / 656
Instrument Date	Apr 2, 2026
Instrument	202624464
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 EAGLE DR, PANAMA CITY BEACH, FL 32407-2834

Mortgage

Document Number	0000024464,
Date	Apr 24, 2026
Book Page	5027/656
Instrument	202624464

Lender

Name	BELLO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 372 Eagle Dr was $1,700 with a homeowner's exemption, down 16.2% from the year before.

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

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	$1,700.00 (-16.21%) Homeowner's exemption	$193,916	$247,921 Land $63,759 Building $184,162
2024	$2,029.00 (+3.05%)
2023	$1,969.00 (+10.37%) Homeowner's exemption	$182,962 (+3%)	$223,199 (+8.23%) Land $47,057 Building $176,142
2022	$1,784.00 Homeowner's exemption	$177,633	$206,229 Land $44,001 Building $162,228

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

Flood

FEMA maps place 372 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 372 Eagle Dr is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 43% of Florida
Wildfire Likelihood	0.3% 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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