Bay County property record for 426 E Beach Dr, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,360 sqft · built 2004 |
| Lot Size | 0.025 acres (1,066 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,185 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 19526-010-070 |
| Primary APN | 19526-010-070 |
|---|
| 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 | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Townhouse |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 1,066 sqft (0.025 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 |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 426 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 -48.14- 31B 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 SELY 33.49 FOR POB TH SELY 15.91 NELY 67.01 NWLY 15.91 SWLY 67.01 TO POB AKA LOT 426 ORB 3740 P 846 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Lot Number | 426 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1900 |
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 | 638 NE SAINT ANDREWS CT, LEES SUMMIT, MO 64064-1312 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 9, 2015 |
| Transfer Doc | 0037400846 |
| 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 |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,185.00 (-2.95%) | $265,021 (+7.66%) Land $80,600 Building $184,421 | $265,021 (+7.66%) Land $80,600 Building $184,421 |
| 2024 | $4,312.00 (+4.2%) | ||
| 2023 | $4,138.00 (+51.96%) | $246,158 (+56.76%) Land $78,949 Building $167,209 | $246,158 (+56.76%) Land $78,949 Building $167,209 |
| 2022 | $2,723.00 | $157,024 Land $55,990 Building $101,034 | $157,024 Land $55,990 Building $101,034 |
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 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 |
|
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 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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