Bay County property record for 407 Cape Cod Dr, Panama City Beach, FL 32407
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 3 ba · 1,430 sqft · built 2006 |
| Owner | Company Name on Record |
| Last Sale | $145,000 (Aug 2018) |
| Tax Bill | $2,258 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit Aug 2018 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 40000-100-056 |
| Primary APN | 40000-100-056 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,430 sqft Heated Area |
| Year Built | Built 2006 |
|---|
| Street Address | 407 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 407 ORB 4040 P 765 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 21 |
| Legal Subdivision | NAUTILUS COVE PH 05 |
| Legal Phase | 5 |
| Legal Tract | 7 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 2703 |
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 | 7833 MCELVEY RD, PANAMA CITY BEACH, FL 32408-4937 |
| Owner Type | Company |
| Date | Document |
|---|---|
| May 27, 2021 | Deed of Trust, Mortgage · Line of Credit MIDSOUTH BANK |
| Aug 22, 2018 | Warranty Deed, Transfer · Line of Credit PEOPLESSOUTH BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2018 · Amount on Record |
| Deed Sale | Aug 22, 2018 · Amount on Record |
| Prior Sale | Sep 29, 2009 · Amount on Record |
| Deed Document Number | 2018050333 |
| Deed Book / Page | 4040 / 0765 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 407 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2871 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044121067 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 4412/1067 |
| Instrument | 2021040511 |
| Name | MIDSOUTH BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32405 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 22, 2018 |
| Property Address | 407 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2871 |
| Document Number | 0040400765 |
| Book / Page | 4040 / 0765 |
| Map Reference | MB2876 PG986 |
| Instrument Date | Aug 20, 2018 |
| Instrument | 2018050333 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | SOUTH OAK TITLE 30A LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9299 S FAIRMONT CIR, 9299, COLLIERVILLE, TN 38017-3582 |
| Name | Verified Name |
|---|---|
| Address | 7833 MCELVEY RD, PANAMA CITY, FL 32408-4937 |
| Document Number | 2018050334 |
|---|---|
| Date | Aug 22, 2018 |
| Instrument | 2018050334 |
| Name | PEOPLESSOUTH BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 21, 2023 |
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 | $2,258.00 (-13.52%) | $212,415 (-0.04%) Building $212,415 | $212,415 (-0.04%) Building $212,415 |
| 2024 | $2,611.00 (+0.62%) | $212,500 (-7.83%) Building $212,500 | $212,500 (-7.83%) Building $212,500 |
| 2023 | $2,595.00 (+23.93%) | $230,563 (+19.49%) Building $230,563 | $230,563 (+19.49%) Building $230,563 |
| 2022 | $2,094.00 | $192,950 Building $192,950 | $192,950 Building $192,950 |
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 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 |
|
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 | 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.
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 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 |
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