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

Bay County property record for 515 E Beach Dr, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,106 sqft · built 1940
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on File
Last Sale	$830,000 (May 2023)
Tax Bill	$10,546 (2025)
Deeds & Mortgages	Aug 2025 Transfer May 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`20278-000-000`

Property Details

APN / Parcel Number

Primary APN	`20278-000-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	4,106 sqft Living Area
1st Floor Area	1,522 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	155 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	515 E BEACH DR
City	PANAMA CITY
State	FL
Zip	32401-3247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	HARMON PLAT MAP 105C3 LOT 10 & S1/2 L-9 BLK 3 W/RIP RIGHTS ORB 4684 P 1738
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	3
Legal Lot Number	10,9
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1012
Census Tract	1900

Owner

515 E Beach Dr is owned and occupied by an individual who bought it in May 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	515 E BEACH DR, PANAMA CITY, FL 32401-3247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2025	Quit Claim Deed, Transfer Quitclaim
May 1, 2023	Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2023 · Amount on File
Deed Sale	May 1, 2023 · Amount on File
Deed Document Number	202327047
Deed Book / Page	4684 / 1738
Prior Transfer Date	Jul 16, 2014
Prior Transfer Doc	0036292283
Record Updated	Jun 8, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Aug 12, 2025
Property Address	515 E BEACH DR, PANAMA CITY, FL 32401-3247
Document Number	0049411032
Book / Page	4941 / 1032
Map Reference	MB 4 PG 8
Instrument Date	Jun 17, 2025
Instrument	2025045549
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 E BEACH DR, PANAMA CITY, FL 32401-3247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E BEACH DR, PANAMA CITY, FL 32401-3247
Investor	Possibly a Property Investor

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 1, 2023
Property Address	515 E BEACH DR, PANAMA CITY, FL 32401-3247
Document Number	0046841738
Book / Page	4684 / 1738
Map Reference	MB 4 PG 8A
Instrument Date	Apr 28, 2023
Instrument	2023027047
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4831 S LAKEWOOD DR, PANAMA CITY, FL 32404-6659

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	931 E PIERSON DR, LYNN HAVEN, FL 32444-3163
Investor	Possibly a Property Investor

Mortgage

Document Number	0046841741
Date	May 1, 2023
Instrument	4684/1741

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 515 E Beach Dr was $10,546 with a homeowner's exemption, down 7.8% 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	$10,546.00 (-7.78%) Homeowner's exemption	$709,800	$759,869 Land $200,502 Building $559,367
2024	$11,436.00 (+89.18%)
2023	$6,045.00 (+133.4%)	$349,891 (+91.73%) Land $167,407 Building $182,484	$349,891 (+9.94%) Land $167,407 Building $182,484
2022	$2,590.00 Homeowner's exemption Widower's exemption	$182,490	$318,263 Land $152,257 Building $166,006

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 515 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 515 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures