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44 Gulf Loop, Panama City, FL 32408 Property Records

Bay County property record for 44 Gulf Loop, Panama City, FL 32408

Property Summary

Property TypeCondominium
Details2 bd · 3 ba · 1,386 sqft · built 1986
Lot Size0.019 acres (827 sqft)
OwnerIndividual Name on Record
Tax Bill$1,902 (2025)
Deeds & MortgagesJun 2020 Transfer
Apr 2019 Transfer
Flood ZoneZone X (minimal risk)
APN31439-115-000

Property Details

APN / Parcel Number

Primary APN31439-115-000

Interior

Bedrooms2 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,386 sqft Living Area
1st Floor Area930 sqft
FlooringVinyl/Resilient
Interior WallsPlywood

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1996
Architectural StyleCondo/Apartment
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialOther
Lot Area827 sqft (0.019 acres)
DrivewayDriveway
Driveway Area352 sqft
PorchFlorida Room
Porch Area516 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address44 GULF LOOP
CityPANAMA CITY
StateFL
Zip32408
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeBC16
Legal DescriptionVENTURE OUT TRAVEL TRAIL LOT 115 BLK 1 ORB 4259 P 2319
Legal Range15W
Legal Township04S
Legal Section16
Legal SubdivisionVENTURE OUT TRAVEL TRAIL
Legal Block1
Legal Lot Number115
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1037
Census Tract2607

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 RecordIndividual Name on Record
Mailing Address4341 THOMAS DR, I4, PANAMA CITY BEACH, FL 32408-7349
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 8, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Apr 30, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateJun 8, 2020
Transfer Doc0042592319
Record UpdatedJun 8, 2026

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJun 8, 2020
Property Address44 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number0042592319
Book / Page004259 / 002319
Instrument DateJun 8, 2020
Instrument36932
Transaction TypeTransfer
Record UpdatedJun 23, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address4341 THOMAS DR #14 PANAMA CITY BEACH FL 324087320, 14, PANAMA CITY BEACH, FL 32408-7320

April 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateApr 30, 2019
Property Address44 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number0041171424
Book / Page004117 / 001424
Instrument DateApr 26, 2019
Instrument42416
Transaction TypeTransfer
Record UpdatedMay 9, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4341 THOMAS DR PANAMA CITY BEACH FL 324087320, PANAMA CITY BEACH, FL 32408-7320

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,902.00 (+1.33%) Homeowner's exemption Widower's exemption$199,319 (+5.99%)$371,754 (+20.13%) Land $218,075 Building $153,679
2024$1,877.00 (+2.01%)
2023$1,840.00 (+7.54%) Homeowner's exemption Widower's exemption$188,060 (+3%)$309,450 (+26.2%) Land $205,726 Building $103,724
2022$1,711.00 Homeowner's exemption$182,583$245,201 Land $170,000 Building $75,201

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 311 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,268 units insured
incl. 957 condo units
Nearby Flood Claims254 (1978–2023)
Claims Outside the SFHA161 of 254
Most Recent ClaimAug 2023 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 46 claims
  • Hurricane Frances, Sep 2004 · 8 claims
  • Hurricane Opal, Oct 1995 · 130 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 RiskNot rated
no burnable land within 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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 178 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
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

May also be available: AT&T.

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