403 Cape Cod Dr, Panama City Beach, FL 32407 Property Records

Bay County property record for 403 Cape Cod Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 1,400 sqft · built 2006
Owner	2 Individual Names on File
Last Sale	$120,000 (Sep 2015)
Tax Bill	$2,448 (2025)
Flood Zone	Zone X (minimal risk)
APN	`40000-100-052`

Property Details

APN / Parcel Number

Primary APN	`40000-100-052`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,400 sqft Heated Area

Exterior

Year Built	Built 2006

Location & Zoning

Street Address	403 CAPE COD DR
City	PANAMA CITY BEACH
State	FL
Zip	32407-2871
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	NAUTILUS COVE CONDO PHASE 5 UNIT 403 ORB 2832 P 523 ORB 3737 P 773
Legal Range	16W
Legal Township	03S
Legal Section	21
Legal Subdivision	NAUTILUS COVE PH 5
Legal Phase	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1031
Census Tract	2703

Owner

403 Cape Cod Dr, a condominium, is owned by two individuals who bought it in September 2015.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12814 AGAVE ST, PANAMA CITY BEACH, FL 32407-3048
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2015 · Amount on File
Deed Sale	Sep 30, 2015 · Amount on File
Prior Sale	Aug 15, 2013 · Amount on File
Deed Document Number	0003737773
Deed Book / Page	3737 / 773
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 403 Cape Cod Dr was $2,448.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,448.00	$248,200 Building $248,200	$248,200 Building $248,200
2023	$2,625.00 (+35.03%)	$242,250 (+46.15%) Building $242,250	$242,250 (+46.15%) Building $242,250
2022	$1,944.00	$165,750 Building $165,750	$165,750 Building $165,750

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

Flood

FEMA maps place 403 Cape Cod Dr in Zone X, an area of minimal flood risk, though there have been 65 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 175 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	175 in force
Nearby Flood Claims	65 (1978–2022)
Claims Outside the SFHA	47 of 65
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Hurricane Georges, Sep 1998 · 6 claims Hurricane Opal, Oct 1995 · 35 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 403 Cape Cod Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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 119 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	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20