Bay County property record for 46 Gulf Loop, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 924 sqft · built 2000 |
| Lot Size | 0.019 acres (828 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,500 (Oct 2016) |
| Tax Bill | $3,711 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 31439-113-000 |
| Primary APN | 31439-113-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 924 sqft Heated Area |
| Gross Area | 984 sqft |
| 1st Floor Area | 924 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 828 sqft (0.019 acres) |
| Driveway | Driveway |
| Driveway Area | 264 sqft |
| Porch | Porch |
| Porch Area | 60 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 46 GULF LOOP |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | VENTURE OUT TRAVEL TRAIL LOT 113 BLK 1 ORB 3843 P 994 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 16 |
| Legal Block | 1 |
| Legal Lot Number | 113 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 2607 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 831 AURARIA RD, DAWSONVILLE, GA 30534-5631 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2016 · Amount on Record |
| Deed Sale | Oct 24, 2016 · Amount on Record |
| Deed Document Number | 0003843994 |
| Deed Book / Page | 3843 / 0994 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,711.00 (+16.19%) | $344,971 (+18.57%) Land $218,075 Building $126,896 | $344,971 (+18.57%) Land $218,075 Building $126,896 |
| 2023 | $3,194.00 (+23.08%) | $290,952 (+23.51%) Land $205,726 Building $85,226 | $290,952 (+23.51%) Land $205,726 Building $85,226 |
| 2022 | $2,595.00 | $235,564 Land $170,000 Building $65,564 | $235,564 Land $170,000 Building $65,564 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 311 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,268 units insured incl. 957 condo units |
| Nearby Flood Claims | 254 (1978–2023) |
| Claims Outside the SFHA | 161 of 254 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
| 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 | Not rated no burnable land within 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 | CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max 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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