405 7th St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 405 7th St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 625 sqft · built 2019
Lot Size	0.247 acres (10,759 sqft)
Owner	2 Trust Names on File
Last Sale	$48,000 (Feb 2018)
Tax Bill	$3,516 (2025)
Deeds & Mortgages	Jul 2019 Sale Feb 2018 Sale + 1 more
Flood Zone	Zone A (high risk)
APN	`04973-312-000`

Property Details

APN / Parcel Number

Primary APN	`04973-312-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	625 sqft Living Area
Gross Area	1,250 sqft
1st Floor Area	625 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,759 sqft (0.247 acres)
Lot Dimensions	108 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	625 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 7TH ST
City	MEXICO BEACH
State	FL
Zip	32456-7019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB01
Legal Description	MEXICO BEACH U-14 236A2 LOT 5 BLK D ORB 4145 P 52
Legal Range	12W
Legal Township	06S
Legal Section	25
Legal Subdivision	MEXICO BEACH
Legal Block	D
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1037
Census Tract	600

Owner

405 7th St is held in a trust since February 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	120 CONCH SHELL CT, HARDEEVILLE, SC 29927-5067
Owner Type	Individual
Vesting	Trust, Revocable Trust

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
Jul 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Feb 20, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Nov 14, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2018 · Amount on File
Deed Sale	Feb 20, 2018 · Amount on File
Deed Document Number	20189575
Deed Book / Page	3981 / 210
Prior Transfer Date	Aug 29, 2006
Prior Transfer Doc	0028230678
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 16, 2019
Property Address	405 7TH ST, MEXICO BEACH, FL 32456-7019
Document Number	0041450052
Book / Page	004145 / 000052
Instrument Date	Jun 7, 2019
Instrument	64422
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 7TH ST MEXICO BEACH FL 32456, MEXICO BEACH, FL 32456

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 20, 2018
Property Address	405 7TH ST, MEXICO BEACH, FL 32456-7019
Document Number	0039810210
Book / Page	003981 / 000210
Instrument Date	Feb 14, 2018
Instrument	9575
Transaction Type	Transfer
Record Updated	Mar 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$336.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	106 FOX GLOVE LN ROSEMARY BEACH FL 324134668, ROSEMARY BEACH, FL 32413-4668

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 14, 2017
Property Address	405 7TH ST, MEXICO BEACH, FL 32456-7019
Document Number	0039541733
Book / Page	003954 / 001733
Instrument Date	Nov 14, 2017
Instrument	65939
Transaction Type	Transfer
Record Updated	Dec 1, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 DORADO AVE FORT WALTON BEACH FL 325486937, FORT WALTON BEACH, FL 32548-6937

Tax Assessment & Valuation

The 2025 property tax bill for 405 7th St was $3,516, up 5.8% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,516.00 (+5.81%)	$197,398	$255,464 Land $131,275 Building $124,189
2024	$3,323.00 (+10.33%)
2023	$3,012.00 (+20.58%)	$202,448 (+32.16%) Land $106,800 Building $95,648	$202,448 (+32.16%) Land $106,800 Building $95,648
2022	$2,498.00	$153,182 Land $64,970 Building $88,212	$153,182 Land $64,970 Building $88,212

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

Flood

FEMA maps place 405 7th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 378 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	693 units insured incl. 315 condo units
Nearby Flood Claims	914 (1985–2024)
Claims Outside the SFHA	547 of 914
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 581 claims Hurricane Dennis, Jul 2005 · 22 claims Hurricane Opal, Oct 1995 · 195 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 405 7th St is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 MEXICO BEACH serves 5,888 people · EPA ID FL1030467
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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