Bay County property record for 406 E Beach Dr, Panama City, FL 32401
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 3 ba · 1,360 sqft · built 2004 |
| Lot Size | 0.024 acres (1,075 sqft) |
| Owner | Owner Name on File |
| Last Sale | $249,000 (Sep 2011) |
| Tax Bill | $2,698 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 19526-010-020 |
| Primary APN | 19526-010-020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 1,360 sqft Heated Area |
| Gross Area | 2,192 sqft |
| 1st Floor Area | 640 sqft |
| 2nd Floor Area | 720 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 1,075 sqft (0.024 acres) |
| Garage Area | 640 sqft |
| Driveway | Driveway |
| Driveway Area | 180 sqft |
| Porch | Porch |
| Porch Area | 192 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 406 E BEACH DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5821 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PC05 |
| Legal Description | 8 4S 14W -48.4- COM AT NE COR OF SE1/4 OF SE1/4 TH W 25' N 63.92' W |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Lot Number | 406 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1900 |
The current owner of 406 E Beach Dr bought it in September 2011.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 406 E BEACH DR, PANAMA CITY, FL 32401-5821 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2011 · Amount on File |
| Deed Sale | Sep 28, 2011 · Amount on File |
| Prior Sale | Mar 29, 2004 · Amount on File |
| Deed Document Number | 2011048498 |
| Deed Book / Page | 3353 / 2040 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 406 E Beach Dr was $2,698 with exemptions applied.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,698.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $217,880 | $275,895 Land $80,600 Building $195,295 |
| 2023 | $2,921.00 (+9.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $205,573 (+3%) | $256,624 (+16.2%) Land $78,949 Building $177,675 |
| 2022 | $2,668.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $199,585 | $220,845 Land $55,990 Building $164,855 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 E Beach Dr in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 406 E Beach Dr 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.
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 |
| 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.
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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