Bay County property record for 401 Beth St, Panama City Beach, FL 32407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,138 sqft · built 1981 |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | Company Name on Record |
| Last Sale | $120,500 (Jun 2018) |
| Tax Bill | $2,455 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Feb 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34210-010-000 |
| Primary APN | 34210-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,138 sqft Living Area |
| Gross Area | 1,474 sqft |
| 1st Floor Area | 1,138 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,797 sqft (0.179 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Driveway | Driveway |
| Porch | Slab |
| Porch Area | 188 sqft |
| Patio Area | 2,024 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 401 BETH ST |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32407-3007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PCB14 |
| Legal Description | HUTCHISONS 2ND ADD N 65.42 OF LOTS 4 & 5 BLK 4 ORB 4014 P 178 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HUTCHISONS 2ND ADD |
| Legal Block | 4 |
| Legal Lot Number | 4,5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 2711 |
Source: Bay County records, as of September 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1710 WAHOO CIR, PANAMA CITY, FL 32408-7230 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 20, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 12, 2019 | Deed of Trust, Mortgage · Balloon Mortgage INNOVATIONS FCU |
| Jun 4, 2018 | Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2018 · Amount on Record |
| Deed Sale | Jun 4, 2018 · Amount on Record |
| Prior Sale | Jan 21, 2004 · Amount on Record |
| Deed Document Number | 201832463 |
| Deed Book / Page | 4014 / 178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 20, 2026 |
| Property Address | 401 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Document Number | 0000051614 |
| Book / Page | 5070 / 616 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 202651614 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 1710 WAHOO CIR, PANAMA CITY, FL 32408-7230 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 401 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040892017 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 4089/2017 |
| Instrument | 2019016843 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32406 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 8, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 4, 2018 |
| Property Address | 401 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Document Number | 0040140178 |
| Book / Page | 004014 / 000178 |
| Instrument Date | May 31, 2018 |
| Instrument | 32463 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $844.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 285 LAKEPOINT LN FAYETTEVILLE GA 302152370, FAYETTEVILLE, GA 30215-2370 |
| Investor | Possibly a Property Investor |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City Beach |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,455.00 (+11.14%) | $201,068 (+6.43%) | $201,688 (+6.75%) Land $122,923 Building $78,765 |
| 2023 | $2,209.00 (+17.63%) | $188,927 (+10.88%) Land $114,000 Building $74,927 | $188,927 (+10.88%) Land $114,000 Building $74,927 |
| 2022 | $1,878.00 | $170,385 Land $102,000 Building $68,385 | $170,385 Land $102,000 Building $68,385 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 105 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 105 in force |
| Nearby Flood Claims | 4 (1995–2020) |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect 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 334 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 · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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