Bay County property record for 409 7th St, Mexico Beach, FL 32456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,886 sqft · built 2008 |
| Lot Size | 0.247 acres (10,759 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,000 (Dec 2013) |
| Tax Bill | $3,140 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 04973-322-000 |
| Primary APN | 04973-322-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,886 sqft Living Area |
| Gross Area | 2,415 sqft |
| 1st Floor Area | 1,546 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,759 sqft (0.247 acres) |
| Lot Dimensions | 108 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Driveway | Driveway |
| Driveway Area | 384 sqft |
| Porch | Florida Room |
| Porch Area | 662 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 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 9 BLK D ORB 942 P 863 ORB 3571 P 797 |
| Legal Range | 12W |
| Legal Township | 06S |
| Legal Section | 25 |
| Legal Subdivision | MEXICO BEACH |
| Legal Block | D |
| Legal Lot Number | 9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | MEXICO BEACH |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 600 |
409 7th St is owned and occupied by an individual who bought it in December 2013.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 7TH ST, MEXICO BEACH, FL 32456-7019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Dec 13, 2013 · Amount on File |
| Deed Sale | Dec 13, 2013 · Amount on File |
| Prior Sale | Feb 21, 2007 · Amount on File |
| Deed Document Number | 201373541 |
| Deed Book / Page | 3571 / 797 |
| Prior Transfer Date | Jan 14, 2009 |
| Prior Transfer Doc | 0031221817 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 409 7th St was $3,140 with a homeowner's exemption, up 0.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Mexico Beach City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,140.00 (+0.87%) Homeowner's exemption | $235,604 | $346,803 Land $111,584 Building $235,219 |
| 2024 | $3,113.00 (+1.1%) | ||
| 2023 | $3,079.00 (+6.54%) Homeowner's exemption | $221,656 (+3%) | $273,042 (+21.78%) Land $90,840 Building $182,202 |
| 2022 | $2,890.00 Homeowner's exemption | $215,200 | $224,212 Land $55,261 Building $168,951 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 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 |
|
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 409 7th St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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 |
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.
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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