38 Gulf Loop, Panama City, FL 32408 Property Records

Bay County property record for 38 Gulf Loop, Panama City, FL 32408

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,128 sqft · built 1993
Lot Size	0.019 acres (827 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Sep 2019)
Tax Bill	$6,642 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31439-121-000`

Property Details

APN / Parcel Number

Primary APN	`31439-121-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2013
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	827 sqft (0.019 acres)
Driveway	Driveway
Driveway Area	270 sqft
Porch	Unfinished Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 GULF LOOP
City	PANAMA CITY
State	FL
Zip	32408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	BC16
Legal Description	VENTURE OUT TRAVEL TRAIL LOT 121 BLK 1 ORB 296 P 27 ORB 4167 P 1388
Legal Range	15W
Legal Township	04S
Legal Section	16
Legal Subdivision	VENTURE OUT TRAVEL TRAIL
Legal Block	1
Legal Lot Number	121
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 January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3007 DUPREE CIR SW, HUNTSVILLE, AL 35801-3336
Owner Type	Individual
Vesting	Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL CREDIT UNION OF FLORIDA
Sep 13, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Feb 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2019 · Amount on Record
Deed Sale	Sep 13, 2019 · Amount on Record
Prior Sale	Dec 3, 2002 · Amount on Record
Deed Document Number	201981367
Deed Book / Page	4167 / 1388
Prior Transfer Date	Feb 12, 2018
Prior Transfer Doc	0039821740
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	38 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039841190
Date	Mar 1, 2018
Book Page	3984/1190
Instrument	2018011942

Lender

Name	CENTRAL CREDIT UNION OF FLORIDA
Type	Credit Union
Address	PENSACOLA, FL 32522

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 28, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 13, 2019
Property Address	38 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0041671388
Book / Page	4167 / 1388
Map Reference	MB 1304 PG 1875
Instrument Date	Aug 11, 2019
Instrument	2019081367
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 SUMMER PLACE DR, 139, WAYNESVILLE, NC 28785-9852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4716 HAPPY VALLEY CIR, NEWNAN, GA 30263-4060

Mortgage

Document Number	0041671390
Date	Sep 13, 2019
Instrument	4167/1390

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 26, 2018
Property Address	38 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0039821740
Book / Page	003982 / 001740
Instrument Date	Feb 12, 2018
Instrument	10747
Transaction Type	Transfer
Record Updated	Mar 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 THOMAS DR #L11 PANAMA CITY BEACH FL 324088300, L11, PANAMA CITY BEACH, FL 32408-8300

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	$6,642.00 (+35.88%)	$540,269 (+28.29%) Land $218,075 Building $322,194	$540,269 (+28.29%) Land $218,075 Building $322,194
2024	$4,888.00 (+1.47%)
2023	$4,817.00 (+17.29%) Homeowner's exemption	$421,136 (+17.3%) Land $205,726 Building $215,410	$421,136 (+17.3%) Land $205,726 Building $215,410
2022	$4,107.00	$359,021 Land $170,000 Building $189,021	$359,021 Land $170,000 Building $189,021

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

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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