Bay County property record for 4127 Nancee Dr, Panama City, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,000 sqft · built 1973 |
| Lot Size | 0.088 acres (3,833 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,475,000 (Mar 2022) |
| Tax Bill | $15,716 (2025) |
| Deeds & Mortgages | Dec 2022 Transfer Mar 2022 Sale & Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 30551-073-000 |
| Primary APN | 30551-073-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,000 sqft Living Area |
| 1st Floor Area | 2,000 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 3,833 sqft (0.088 acres) |
| Lot Dimensions | 94 ft deep x 40 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Driveway | Driveway |
| Porch | Screened Porch |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4127 NANCEE DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32408-6112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC23 |
| Legal Description | 8 4S 15W -1.31- 58D2 M&B KWN AS LOT 10 OF HOLIDAY BEACH ON THE GULF UNR ORB 4534 P 1609 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | HOLIDAY BEACH ON THE GULF |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 2605 |
4127 Nancee Dr is owned by two individuals who bought it in March 2022.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 ROYAL HORSE WAY, REINHOLDS, PA 17569-9353 |
| 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.
| Date | Document |
|---|---|
| Dec 2, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 10, 2022 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2022 · Amount on File |
| Deed Sale | Mar 10, 2022 · Amount on File |
| Prior Sale | Mar 30, 2020 · Amount on File |
| Deed Document Number | 202217577 |
| Deed Book / Page | 4534 / 1609 |
| Prior Transfer Date | Jun 30, 2006 |
| Prior Transfer Doc | 0027990759 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 2, 2022 |
| Property Address | 4127 NANCEE DR, PANAMA CITY BEACH, FL 32408-6112 |
| Document Number | 0046360460 |
| Book / Page | 4636 / 460 |
| Map Reference | MB 11 PG 19 |
| Instrument Date | Dec 1, 2022 |
| Instrument | 2022086026 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3919 VENUS ST, PANAMA CITY BEACH, FL 32408-5469 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 10, 2022 |
| Property Address | 4127 NANCEE DR, PANAMA CITY BEACH, FL 32408-6112 |
| Document Number | 0045341609 |
| Book / Page | 4534 / 1609 |
| Map Reference | MB 305 PG 607 |
| Instrument Date | Mar 8, 2022 |
| Instrument | 2022017577 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 215 RUNNING BEAR, QUITMAN, TX 75783-3589 |
| Name | Verified Name |
|---|---|
| Address | 118 ROYAL HORSE WAY, REINHOLDS, PA 17569-9353 |
| Investor | Possibly a Property Investor |
| Document Number | 0045341611 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 4534/1611 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Apr 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Max Rate | 7.75% |
The 2025 property tax bill for 4127 Nancee Dr was $15,716.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $15,716.00 (-0.04%) | $1,278,419 Land $996,000 Building $282,419 | $1,278,419 Land $996,000 Building $282,419 |
| 2024 | $15,723.00 (+2.66%) | ||
| 2023 | $15,316.00 (+106.81%) | $1,221,900 (+85.04%) Land $730,400 Building $491,500 | $1,221,900 (+85.04%) Land $730,400 Building $491,500 |
| 2022 | $7,406.00 | $660,349 Land $517,920 Building $142,429 | $660,349 Land $517,920 Building $142,429 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4127 Nancee Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 14.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 4127 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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