Bay County property record for 4115 Nancee Dr, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,423 sqft · built 1980 |
| Lot Size | 0.085 acres (3,746 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,750 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 30551-040-000 |
| Primary APN | 30551-040-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,423 sqft Total Area |
| 1st Floor Area | 1,148 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 3,746 sqft (0.085 acres) |
| Lot Dimensions | 75 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 763 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4115 NANCEE DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-6112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC23 |
| Legal Description | 8 4S 15W -1.4- 58D2 M&B KWN AS AS LOT 4 OF HOLIDAY BEACH ON GULF UNR |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | HOLIDAY BEACH |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 2605 |
4115 Nancee Dr is owned and occupied by two individuals who acquired it in September 2010.
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4115 NANCEE DR, PANAMA CITY BEACH, FL 32408-6112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2010 |
| Deed Sale | Sep 28, 2010 |
| Prior Sale | Feb 20, 2003 |
| Deed Document Number | 2010050782 |
| Deed Book / Page | 2207 / 0623 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4115 Nancee Dr was $1,750 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,750.00 Homeowner's exemption | $181,906 | $470,189 Land $178,600 Building $291,589 |
| 2023 | $1,697.00 (+11.21%) Homeowner's exemption | $171,630 (+3%) | $616,908 (+113.66%) Land $160,520 Building $456,388 |
| 2022 | $1,526.00 Homeowner's exemption | $166,631 | $288,733 Land $108,000 Building $180,733 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4115 Nancee Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 326 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,352 units insured incl. 1,026 condo units |
| Nearby Flood Claims | 85 (1983–2020) |
| Claims Outside the SFHA | 68 of 85 |
| 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.
The area around 4115 Nancee Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 494 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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