Bay County property record for 613 Cape Cod Dr, Panama City Beach, FL 32407
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,225 sqft · built 2006 |
| Lot Size | 0.009 acres (400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $208,000 (Jul 2026) |
| Tax Bill | $809 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40000-100-070 |
| Primary APN | 40000-100-070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,225 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Condo/Apartment |
| Lot Area | 400 sqft (0.009 acres) |
| View / Lot | Road |
| Garage Type | Open |
| Street Address | 613 CAPE COD DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32407-2869 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | BP |
| Legal Description | NAUTILUS COVE CONDO PHASE 5 UNIT 613 ORB 2902 P 1606 2ND FLOOR 3BR/2BA . 1225 SQ.FT. |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 21 |
| Legal Subdivision | NAUTILUS COVE CONDO PHASE 5 |
| Legal Phase | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 2703 |
613 Cape Cod Dr, a condominium, is owned and occupied by two individuals who bought it in July 2026.
Source: Bay County records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1175 ISBELL RD, ODENVILLE, AL 35120-5217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2026 · Amount on File |
| Deed Sale | Jul 7, 2026 · Amount on File |
| Prior Sale | Mar 26, 2007 · Amount on File |
| Deed Document Number | 202640955 |
| Deed Book / Page | 5053 / 1346 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 7, 2026 |
| Property Address | 613 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2869 |
| Document Number | 0000040955 |
| Book / Page | 5053 / 1346 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202640955 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $147,056.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1175 ISBELL RD, ODENVILLE, AL 35120-5217 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 613 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2869 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0043870285 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 4387/285 |
| Instrument | 2021025191 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2041 |
The 2025 property tax bill for 613 Cape Cod Dr was $809 with a homeowner's exemption, down 3.8% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City Beach |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $809.00 (-3.8%) Homeowner's exemption | $74,326 | $182,750 Building $182,750 |
| 2024 | $841.00 (+15.21%) | ||
| 2023 | $730.00 (+9.12%) Homeowner's exemption | $225,250 (+47.22%) | $225,250 (+47.22%) Building $225,250 |
| 2022 | $669.00 Homeowner's exemption | $153,000 | $153,000 Building $153,000 |
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.
FEMA maps place 613 Cape Cod Dr in Zone X, an area of minimal flood risk, though there have been 65 flood claims nearby since 1978.
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 File median of 175 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 175 in force |
| Nearby Flood Claims | 65 (1978–2022) |
| Claims Outside the SFHA | 47 of 65 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Wildfire risk around 613 Cape Cod Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect 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 119 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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