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

Bay County property record for 404 Cape Cod Dr, Panama City Beach, FL 32407

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 1,400 sqft · built 2006
Owner	Company Name on Record
Last Sale	$275,000 (Mar 2025)
Tax Bill	$2,706 (2025)
Deeds & Mortgages	Jul 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`40000-100-053`

Property Details

APN / Parcel Number

Primary APN	`40000-100-053`

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	404 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 404 ORB 4888 P 2309
Legal Range	16W
Legal Township	03S
Legal Section	21
Legal Phase	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1031
Census Tract	2703

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	Company Name on Record
Mailing Address	671 OAK HAVEN TRL, COLUMBIANA, AL 35051-1306
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2025 · Amount on Record
Deed Sale	Mar 3, 2025 · Amount on Record
Prior Sale	Jul 14, 2023 · Amount on Record
Deed Document Number	2025010951
Deed Book / Page	4888 / 2309
Record Updated	Jun 8, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 14, 2023
Property Address	404 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2871
Document Number	0047092138
Book / Page	4709 / 2138
Map Reference	MB 2852 PG 1048
Instrument Date	Jun 10, 2023
Instrument	2023044102
Transaction Type	Transfer
Record Updated	Jul 31, 2023

Transaction

Amount	Amount Recorded
Tax	$672.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2137 GRENADIER DR, TROY, MI 48098-5216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2871

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 Beach
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,706.00 (+3.09%)	$248,200 (+2.46%) Building $248,200	$248,200 (+2.46%) 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

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 Record 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

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