Bay County property record for 45 E Beach Dr, Panama City, FL 32401
| Property Type | Medical Building |
|---|---|
| Details | 3,255 sqft · built 1961 |
| Lot Size | 0.257 acres (11,195 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $250,000 (Dec 2010) |
| Tax Bill | $3,110 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 19666-000-000 |
| Primary APN | 19666-000-000 |
|---|
| Total Rooms | 10 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 3,255 sqft Total Area |
| 1st Floor Area | 3,131 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Construction Type | Concrete |
| Fire Resistance | Fireproof Reinforced Concrete |
| Roof Type | Wood Truss |
| Roof Material | Built-Up Asphalt |
| Lot Area | 11,195 sqft (0.257 acres) |
| Lot Dimensions | 140 ft deep x 80 ft wide |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 45 E BEACH DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3112 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Medical Building |
| Local Zoning Code | PC10 |
| Legal Description | GULF COAST DEV CO PLAT LOTS 11 & 12 BLK 13 ORB 3289 P 843 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | GULF COAST DEV CO PLAT |
| Legal Block | 13 |
| Legal Lot Number | 11,12 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1080 |
| Census Tract | 2000 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 45 E BEACH DR, PANAMA CITY, FL 32401-3112 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2010 · Amount on Record |
| Deed Sale | Dec 10, 2010 · Amount on Record |
| Deed Document Number | 2010064692 |
| Deed Book / Page | 3289 / 0843 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 45 E BEACH DR, PANAMA CITY, FL 32401-3112 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 45 E BEACH DR, PANAMA CITY, FL 32401-3112 |
| Document Number | 0043811398 |
|---|---|
| Date | Mar 25, 2021 |
| Book Page | 4381/1398 |
| Instrument | 2021021803 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32405 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,110.00 (-11.17%) | $165,496 (-2.21%) Land $89,600 Building $75,896 | $165,496 (-2.21%) Land $89,600 Building $75,896 |
| 2024 | $3,501.00 (-1.24%) | $169,232 (-) Land $89,600 Building $79,632 | $169,232 (-) Land $89,600 Building $79,632 |
| 2023 | $3,545.00 (+7.46%) | $169,232 (+2.95%) Land $89,600 Building $79,632 | $169,232 (+2.95%) Land $89,600 Building $79,632 |
| 2022 | $3,299.00 | $164,381 Land $77,280 Building $87,101 | $164,381 Land $77,280 Building $87,101 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 47 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 93 (1984–2020) |
| Claims Outside the SFHA | 64 of 93 |
| 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.
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.
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