422 E Beach Dr, Panama City, FL 32401 Property Records

Bay County property record for 422 E Beach Dr, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,360 sqft · built 2003
Lot Size	0.027 acres (1,173 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Sep 2021)
Tax Bill	$4,458 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jan 2017 Transfer
Flood Zone	Zone AE (high risk)
APN	`19526-010-060`

Property Details

APN / Parcel Number

Primary APN	`19526-010-060`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,360 sqft Living Area
Gross Area	2,000 sqft
1st Floor Area	640 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Architectural Style	Townhouse
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,173 sqft (0.027 acres)
Garage Type	Attached
Garage Area	640 sqft
Driveway	Driveway
Driveway Area	180 sqft
Porch	Open Porch
Porch Area	192 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	422 E BEACH DR
City	PANAMA CITY
State	FL
Zip	32401-5821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC05
Legal Description	8 4S 14W -48.12- COM AT NE COR OF SE1/4 OF SE1/4 TH W 25 N 63.92 W 256.76 S 23.62 SELY 82.77 SELY 34.36 SELY 98.88 SELY 19.83 FOR POB TH SELY 17.45 NELY 67.01 NWLY 17.55 SWLY 67.01 TO POB AKA LOT 422 ORB 4455 P 1075
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Lot Number	422
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1003
Census Tract	1900

Owner

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	422 E BEACH DR, PANAMA CITY, FL 32401-5821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Aug 16, 2011 · Amount on Record
Deed Document Number	202167575
Deed Book / Page	4455 / 1075
Prior Transfer Date	Jan 6, 2017
Prior Transfer Doc	0038660254
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 1, 2021
Property Address	422 E BEACH DR, PANAMA CITY, FL 32401-5821
Document Number	0044551075
Book / Page	4455 / 1075
Instrument Date	Sep 1, 2021
Instrument	2021067575
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5707 REXLEIGH DR, 5707, SACRAMENTO, CA 95823-7315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 E BEACH DR, PANAMA CITY, FL 32401-5821

Mortgage

Document Number	44551077
Date	Sep 1, 2021
Instrument	4455/1077

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jan 18, 2017
Property Address	422 E BEACH DR, PANAMA CITY, FL 32401-5821
Document Number	0038660254
Book / Page	003866 / 000254
Instrument Date	Jan 6, 2017
Instrument	2592
Transaction Type	Transfer
Record Updated	May 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5707 REXLEIGH DR SACRAMENTO CA 958237315, SACRAMENTO, CA 95823-7315

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,458.00 (-0.13%) Homeowner's exemption	$324,354 (+5.72%)	$330,252 (+7.65%) Land $80,600 Building $249,652
2024	$4,464.00 (-6.43%)
2023	$4,771.00 (+9.48%) Homeowner's exemption	$306,795 (+14.76%) Land $78,949 Building $227,846	$306,795 (+14.76%) Land $78,949 Building $227,846
2022	$4,358.00	$267,345 Land $55,990 Building $211,355	$267,345 Land $55,990 Building $211,355

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 38 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	184 units insured incl. 146 condo units
Nearby Flood Claims	75 (1982–2018)
Claims Outside the SFHA	41 of 75
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 33 claims Hurricane Opal, Oct 1995 · 37 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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