400 E Beach Dr, Panama City, FL 32401 Property Records

Bay County property record for 400 E Beach Dr, Panama City, FL 32401

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,360 sqft · built 2003
Lot Size	0.026 acres (1,165 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Nov 2019)
Tax Bill	$4,918 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`19526-010-000`

Property Details

APN / Parcel Number

Primary APN	`19526-010-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	3 Stories
Building Area	1,360 sqft Heated Area
Gross Area	2,192 sqft
1st Floor Area	640 sqft
2nd Floor Area	720 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	1,165 sqft (0.026 acres)
Garage Area	640 sqft
Driveway	Driveway
Driveway Area	180 sqft
Porch	Porch
Porch Area	192 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	400 E BEACH DR
City	PANAMA CITY
State	FL
Zip	32401-5821
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PC05
Legal Description	8 4S 14W -48.1- 31B COM AT NE COR OF SE1/4 OF SE1/4 TH W 25' N 63.92' W
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Lot Number	400
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1003
Census Tract	1900

Owner

Source: Bay County records, as of January 23, 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
Co-owner	Co-owner on Record
Mailing Address	2363 FOXWORTH DR, PANAMA CITY, FL 32405-1928
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Nov 12, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 14, 2017	Warranty Deed, Transfer · Conventional Mortgage DARRELL W VICE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Prior Sale	Sep 14, 2017 · Amount on Record
Deed Document Number	2019097618
Deed Book / Page	4189 / 1263
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	400 E BEACH DR, PANAMA CITY, FL 32401-5821
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E BEACH DR, PANAMA CITY, FL 32401-5821

Mortgage

Document Number	0044191677
Date	Jun 14, 2021
Book Page	4419/1677
Instrument	2021044889

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 12, 2019
Property Address	400 E BEACH DR, PANAMA CITY, FL 32401-5821
Document Number	0041891263
Book / Page	4189 / 1263
Instrument Date	Nov 1, 2019
Instrument	2019097618
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 E BEACH DR, 400, PANAMA CITY, FL 32401-5821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 N DUVAL ST, TALLAHASSEE, FL 32303-6108

Mortgage

Document Number	0041891265
Date	Nov 12, 2019
Instrument	4189/1265

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 14, 2017
Property Address	400 E BEACH DR, PANAMA CITY, FL 32401-5821
Document Number	0039361473
Book / Page	003936 / 001473
Instrument Date	Aug 31, 2017
Instrument	52363
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E BEACH DR PANAMA CITY FL 324015821, PANAMA CITY, FL 32401-5821

Mortgage

Document Number	39361474
Date	Sep 14, 2017
Book Page	003936/001474
Instrument	52364

Lender

Name	DARRELL W VICE
Address	324 E BEACH DR # 700, PANAMA CITY BEACH, FL 32401-5810
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 13, 2032

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,918.00 (+46.02%)	$311,409 (+38.06%) Land $80,600 Building $230,809	$311,409 (+7.79%) Land $80,600 Building $230,809
2023	$3,368.00 (+5.45%) Homeowner's exemption	$225,567 (+3%)	$288,916 (+15.21%) Land $78,949 Building $209,967
2022	$3,194.00 Homeowner's exemption	$218,997	$250,781 Land $55,990 Building $194,791

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 38 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	184 units insured incl. 146 condo units
Nearby Flood Claims	75 (1982–2018)
Claims Outside the SFHA	41 of 75
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 33 claims Hurricane Opal, Oct 1995 · 37 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	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 261 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	1,000 / 75
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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