Bay County property record for 397 Red Snapper Ln, #E, Panama City, FL 32408
| Property Type | Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 758 sqft · built 1983 |
| Lot Size | 0.019 acres (827 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $78,000 (Jul 2003) |
| Tax Bill | $2,522 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Feb 2025 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 31448-020-000 |
| Primary APN | 31448-020-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 758 sqft Living Area |
| 1st Floor Area | 758 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 827 sqft (0.019 acres) |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 75 sqft |
| Mobile Home / RV Hookup | Mobile Home / RV Hookup |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 397 RED SNAPPER LN, E |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32408 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | BC16 |
| Legal Description | VENTURE OUT TRAVEL TRAIL LOT 20 BLK 10 ORB 1394 P 1383 ORB 2314 P 25 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 16 |
| Legal Subdivision | VENTURE OUT TRAVEL TRAIL |
| Legal Block | 10 |
| Legal Lot Number | 20 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 2607 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4341 THOMAS DR, E25, PANAMA CITY, FL 32408-7371 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Feb 8, 2024 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 10, 2025 | Quit Claim Deed, Transfer DIAMOND TITLE AGENCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2003 · Amount on Record |
| Deed Sale | Jul 28, 2003 · Amount on Record |
| Deed Document Number | 200354116 |
| Deed Book / Page | 2314 / 25 |
| Last Transfer Date | Feb 10, 2025 |
| Transfer Doc | 0048821740 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 397 RED SNAPPER LN # E, E, PANAMA CITY BEACH, FL 32408 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4036 ADMIRAL DR, ATLANTA, GA 30341-1514 |
| Document Number | 0047712198 |
|---|---|
| Date | Feb 8, 2024 |
| Book Page | 4771/2198 |
| Instrument | 2024007070 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Feb 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 10, 2025 |
| Property Address | 397 RED SNAPPER LN # E, E, PANAMA CITY BEACH, FL 32408 |
| Document Number | 0048821740 |
| Book / Page | 4882 / 1740 |
| Map Reference | MB 296 PG 27 |
| Instrument Date | Feb 10, 2025 |
| Instrument | 2025006755 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | DIAMOND TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4341 THOMAS DR # DRE25, DRE25, PANAMA CITY, FL 32408-7320 |
| Name | Verified Name |
|---|---|
| Address | 4341 THOMAS DR LOT E25, E25, PANAMA CITY, FL 32408-7371 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,522.00 (+1.65%) | $195,260 (-8.43%) | $218,075 (+2.27%) Land $218,075 |
| 2024 | $2,481.00 (+5.62%) | ||
| 2023 | $2,349.00 (+23.44%) | $213,226 (+20.13%) Land $205,726 Building $7,500 | $213,226 (+20.13%) Land $205,726 Building $7,500 |
| 2022 | $1,903.00 | $177,500 Land $170,000 Building $7,500 | $177,500 Land $170,000 Building $7,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 412 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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