401 E Beach Dr, Apt A2, Panama City, FL 32401 Property Records

Bay County property record for 401 E Beach Dr, Apt A2, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,286 sqft · built 1981
Lot Size	0.045 acres (1,962 sqft)
Owner	Individual Name on File
Last Sale	$72,300 (Feb 2013)
Tax Bill	$1,888 (2025)
Deeds & Mortgages	May 2023 Sale May 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20264-003-000`

Property Details

APN / Parcel Number

Primary APN	`20264-003-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,286 sqft Living Area
1st Floor Area	643 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Townhouse
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,962 sqft (0.045 acres)
Driveway	Driveway
Porch	Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 E BEACH DR, A2
City	PANAMA CITY
State	FL
Zip	32401-3203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC05
Legal Description	9 4S 14W UNIT AI-2 CEDAR COVE TOWNHOUSE ORB 4685 P 157
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	CEDAR COVE TOWNHOUSE
Legal Unit	AI-2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1008
Census Tract	1900

Owner

401 E Beach Dr, Apt A2 is owned by an individual who acquired it in May 2017.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	4050 MARRIOTT DR, 3706, PANAMA CITY, FL 32408-8053
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
May 2, 2023	Deed, Transfer
May 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 24, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2013 · Amount on File
Deed Sale	Feb 11, 2013 · Amount on File
Deed Document Number	20137980
Deed Book / Page	3483 / 117
Last Transfer Date	May 18, 2017
Transfer Doc	0039031160
Record Updated	Jun 8, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	May 2, 2023
Property Address	401 E BEACH DR APT A2, A2, PANAMA CITY, FL 32401-3203
Document Number	0046850157
Book / Page	4685 / 157
Instrument Date	May 2, 2023
Instrument	2023027270
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4050 MARRIOTT DR # 3706, 3706, PANAMA CITY BEACH, FL 32408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 ROCKY CREEK TRL, ORMOND BEACH, FL 32174-4963
Investor	Possibly a Property Investor

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	May 25, 2018
Property Address	401 E BEACH DR APT A2, A2, PANAMA CITY, FL 32401-3203
Document Number	0040111554
Book / Page	004011 / 001554
Instrument Date	May 24, 2018
Instrument	30967
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1161 PANAMA CITY FL 324021161, PANAMA CITY, FL 32402-1161

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	May 24, 2017
Property Address	401 E BEACH DR APT A2, A2, PANAMA CITY, FL 32401-3203
Document Number	0039031160
Book / Page	003903 / 001160
Instrument Date	May 18, 2017
Instrument	29509
Transaction Type	Transfer
Record Updated	Jun 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 MAGNOLIA AVE PANAMA CITY BEACH FL 324013125, PANAMA CITY BEACH, FL 32401-3125

Tax Assessment & Valuation

The 2025 property tax bill for 401 E Beach Dr, Apt A2 was $1,888, down 1.5% 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
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,888.00 (-1.51%)	$106,129	$145,875 Land $47,405 Building $98,470
2024	$1,917.00 (+3.73%)
2023	$1,848.00 (+12.14%)	$113,185 (+8.79%) Land $38,000 Building $75,185	$113,185 (+8.79%) Land $38,000 Building $75,185
2022	$1,648.00	$104,042 Land $34,569 Building $69,473	$104,042 Land $34,569 Building $69,473

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

Flood

FEMA maps place 401 E Beach Dr, Apt A2 in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 401 E Beach Dr, Apt A2 is low, with less than a 0.01% annual chance of 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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