Bay County property record for 409 Beth St, Panama City Beach, FL 32407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,470 sqft · built 1981 |
| Lot Size | 0.181 acres (7,884 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,340 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 34210-000-000 |
| Primary APN | 34210-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,470 sqft Living Area |
| Gross Area | 1,722 sqft |
| 1st Floor Area | 1,470 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,884 sqft (0.181 acres) |
| Lot Dimensions | 120 ft deep x 66 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Driveway | Driveway |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | 204 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 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 | HUTCHISONS 2ND ADD S 10.85 LOTS 4 & 5 AND N 54.57 LOTS 6 & 7 (6.02) BLK 4 ORB 3472 P 525 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HUTCHISONS 2ND ADD |
| Legal Block | 4 |
| Legal Lot Number | 4,6 |
| 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 5, 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 |
|---|---|
| Mailing Address | 409 BETH ST, PANAMA CITY BEACH, FL 32407-3007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 26, 2012 |
| Transfer Doc | 0034720525 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $2,340.00 (-4.65%) | $208,564 (-0.67%) | $220,629 (+5.07%) Land $122,923 Building $97,706 |
| 2024 | $2,454.00 (+4.83%) | $209,975 (+1.58%) Land $118,000 Building $91,975 | $209,975 (+1.58%) Land $118,000 Building $91,975 |
| 2023 | $2,341.00 (+23.34%) | $206,701 (+21.88%) Land $114,000 Building $92,701 | $206,701 (+21.88%) Land $114,000 Building $92,701 |
| 2022 | $1,898.00 | $169,587 Land $102,000 Building $67,587 | $169,587 Land $102,000 Building $67,587 |
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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