Bay County property record for 405 Beth St, Panama City Beach, FL 32407
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,600 sqft · built 1981 |
| Lot Size | 0.178 acres (7,797 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $388,000 (May 2023) |
| Tax Bill | $3,321 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Dec 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34210-020-000 |
| Primary APN | 34210-020-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,600 sqft Heated Area |
| Gross Area | 2,182 sqft |
| 1st Floor Area | 1,600 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,797 sqft (0.178 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Garage Area | 294 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 288 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 405 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 | HUTCHINSON'S 2ND ADD THE N 65.43' OF S 76.28' OF LOTS 4 & 5 BLK 4 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | BAHAMA BEACH |
| Legal Block | 4 |
| Legal Lot Number | 4,5 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 January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 8008 VADEN DR, BRENTWOOD, TN 37027-7023 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Dec 6, 2022 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Nov 25, 2019 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage AMERICAN INTERNET MORTGAGE INC |
| Apr 16, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2023 · Amount on Record |
| Deed Sale | May 1, 2023 · Amount on Record |
| Prior Sale | Dec 6, 2022 · Amount on Record |
| Deed Document Number | 2023026955 |
| Deed Book / Page | 4684 / 1252 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 1, 2023 |
| Property Address | 405 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Document Number | 0046841252 |
| Book / Page | 4684 / 1252 |
| Map Reference | MB 9 PG 51 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 2023026955 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,716.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 28301, PANAMA CITY, FL 32411-8301 |
| Name | Verified Name |
|---|---|
| Address | 8008 VADEN DR, BRENTWOOD, TN 37027-7023 |
| Document Number | 0046841257 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 4684/1257 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 6, 2022 |
| Property Address | 405 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Document Number | 0046370471 |
| Book / Page | 4637 / 471 |
| Map Reference | MB 9 PG 51 |
| Instrument Date | Dec 5, 2022 |
| Instrument | 2022086698 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2022 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,331.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 230 INGLENOOK LN, SYLACAUGA, AL 35151-5760 |
| Name | Verified Name |
|---|---|
| Address | 4600 KINGFISH LN UNIT 408, 408, PANAMA CITY BEACH, FL 32408-8031 |
| Document Number | 0004637473 |
|---|---|
| Date | Dec 6, 2022 |
| Instrument | 4637/473 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 25, 2019 |
| Property Address | 405 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Document Number | 0041941247 |
| Book / Page | 4194 / 1247 |
| Map Reference | MB 9 PG 51 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 2019101261 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | EXPRESS TITLE SVCS GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3518 NW 36TH ST, 3518, MIAMI, FL 33142-5040 |
| Name | Verified Name |
|---|---|
| Address | 405 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Document Number | 0041941249 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 4194/1249 |
| Name | AMERICAN INTERNET MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 16, 2019 |
| Property Address | 405 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Document Number | 0041122384 |
| Book / Page | 004112 / 002384 |
| Instrument Date | Dec 21, 2018 |
| Instrument | 38342 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3518 NW 36TH ST MIAMI FL 331425040, MIAMI, FL 33142-5040 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,321.00 (+1.78%) | $304,378 (+15.07%) Land $122,923 Building $181,455 | $304,378 (+15.07%) Land $122,923 Building $181,455 |
| 2023 | $3,263.00 (+20.05%) | $264,525 (+11.03%) Land $114,000 Building $150,525 | $264,525 (+11.03%) Land $114,000 Building $150,525 |
| 2022 | $2,718.00 | $238,257 Land $102,000 Building $136,257 | $238,257 Land $102,000 Building $136,257 |
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 |
|---|---|
| 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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