Bay County property record for 688 Seashell Dr, Panama City Beach, FL 32408 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 420 sqft · built 1989 |
| Lot Size | 0.019 acres (828 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,124 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 31458-030-000 |
| Primary APN | 31458-030-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 420 sqft Heated Area |
| Gross Area | 912 sqft |
| 1st Floor Area | 420 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 828 sqft (0.019 acres) |
| Driveway | Driveway |
| Driveway Area | 216 sqft |
| Porch | Porch |
| Porch Area | 492 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 688 SEASHELL DR |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VENTURE OUT TRAVEL TRAIL LOT 3 BLK 22 ORB 4848 P 1227 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 16 |
| Legal Subdivision | VENTURE OUT/PANAMA CITY BCH IN |
| Legal Block | 22 |
| Legal Lot Number | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 2607 |
Source: Bay County records · APN 31458-030-000
Assessment roll updated July 1, 2025 · Last verified February 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 File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 4345 THOMAS DR # F27, F27, PANAMA CITY BEACH, FL 32408-7900 |
| Owner Type | Individual |
| Deed Names | 4 Verified Names on Deed |
|---|---|
| Prior Sale | Oct 15, 2001 · Amount on Record |
| Last Transfer Date | Oct 08, 2024 |
| Transfer Doc | 0048481227 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 688 SEASHELL DR, PANAMA CITY BEACH, FL 32408 |
| Transaction Type | Mortgage |
| Record Updated | Jun 06, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2805 SHANNON RD, ALBANY, GA 31721-1531 |
| Document Number | 0045641216 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 4564/1216 |
| Instrument | 2022036979 |
| Name | AB&T |
|---|---|
| Type | Bank |
| Address | ALBANY, GA 31708 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 21, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,124.00 (+13.44%) | $278,051 (+13.12%) Land $218,075 Building $59,976 | $278,051 (+13.12%) Land $218,075 Building $59,976 |
| 2023 | $2,754.00 (+23.5%) | $245,810 (+21%) Land $205,726 Building $40,084 | $245,810 (+21%) Land $205,726 Building $40,084 |
| 2022 | $2,230.00 | $203,148 Land $170,000 Building $33,148 | $203,148 Land $170,000 Building $33,148 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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