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

Bay County property record for 432 E Beach Dr, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,360 sqft · built 2004
Lot Size	0.027 acres (1,169 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Apr 2025)
Tax Bill	$1,832 (2025)
Deeds & Mortgages	Aug 2019 Transfer Dec 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19526-010-085`

Property Details

APN / Parcel Number

Primary APN	`19526-010-085`

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 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,169 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	432 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 -48.17- 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 81.45 FOR POB TH SELY 17.45 NELY 67 NWLY 17.45 SWLY 67 TO POB AKA LOT 432 ORB 4155 P 1488
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GRAND BAY
Legal Lot Number	432
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1003
Census Tract	1900

Owner

432 E Beach Dr is owned by an individual who bought it in April 2025.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 33, PANAMA CITY, FL 32402-0033
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 29, 2017	Warranty Deed, Transfer · Conventional with PMI SMARTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2025 · Amount on File
Deed Sale	Apr 28, 2025 · Amount on File
Prior Sale	Aug 13, 2019 · Amount on File
Deed Document Number	202523149
Deed Book / Page	4907 / 155
Prior Transfer Date	Apr 25, 2025
Prior Transfer Doc	0049070155
Record Updated	Oct 29, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Aug 13, 2019
Property Address	432 E BEACH DR, PANAMA CITY, FL 32401-5821
Document Number	0041551488
Book / Page	004155 / 001488
Instrument Date	Aug 13, 2019
Instrument	72526
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 E BEACH DR PANAMA CITY BEACH FL 324015821, PANAMA CITY BEACH, FL 32401-5821

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 29, 2017
Property Address	432 E BEACH DR, PANAMA CITY, FL 32401-5821
Document Number	0039661969
Book / Page	003966 / 001969
Instrument Date	Dec 28, 2017
Instrument	74167
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2359 FOXWORTH DR PANAMA CITY FL 324051928, PANAMA CITY, FL 32405-1928

Mortgage

Document Number	39661971
Date	Dec 29, 2017
Book Page	003966/001971
Instrument	74168

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 432 E Beach Dr was $1,832, down 4.4% from the year before.

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	$1,832.00 (-4.38%) Homeowner's exemption	$158,026	$259,579 Land $80,600 Building $178,979
2024	$1,916.00 (-3.86%)
2023	$1,993.00 (+3.59%) Homeowner's exemption	$149,099 (+3%)	$241,226 (+56.59%) Land $78,949 Building $162,277
2022	$1,924.00 Homeowner's exemption	$144,756	$154,053 Land $55,990 Building $98,063

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 432 E Beach Dr in Zone AE, a high-risk 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 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 File 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

Wildfire risk around 432 E Beach Dr is low, with less than a 0.01% annual chance of 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

Nearby Properties on E Beach Dr

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