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694 Seashell Dr, Panama City, FL 32408 Property Records

Bay County property record for 694 Seashell Dr, Panama City, FL 32408

Property Summary

Property TypeCondominium
Details3 bd · 2 ba · 1,005 sqft · built 2009
Lot Size0.019 acres (827 sqft)
Owner2 Individual Names on File
Tax Bill$1,571 (2025)
Deeds & MortgagesJan 2022 Transfer
Flood ZoneZone X (moderate risk)
APN31457-090-000

Property Details

APN / Parcel Number

Primary APN31457-090-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,005 sqft Living Area
1st Floor Area1,005 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Architectural StyleCondo/Apartment
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialOther
Lot Area827 sqft (0.019 acres)
DrivewayDriveway
Driveway Area252 sqft
PorchOpen Porch
Porch Area30 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address694 SEASHELL DR
CityPANAMA CITY
StateFL
Zip32408
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeBC16
Legal DescriptionVENTURE OUT TRAVEL TRAIL LOT 9 BLK 21 ORB 4507 P 1412
Legal Range15W
Legal Township04S
Legal Section16
Legal SubdivisionVENTURE OUT TRAVEL TRAIL
Legal Block21
Legal Lot Number9
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1058
Census Tract2607

Owner

694 Seashell Dr, a condominium, is owned and occupied by two individuals who acquired it in January 2022.

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

Owner of Record2 Individual Names on File
Mailing Address4341 THOMAS DR, PANAMA CITY, FL 32408-7320
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJan 4, 2022
Transfer Doc0045071412
Record UpdatedSep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateJan 4, 2022
Property Address694 SEASHELL DR, PANAMA CITY BEACH, FL 32408
Document Number0045071412
Book / Page4507 / 1412
Map ReferenceMB 296 PG 27
Instrument DateJan 4, 2022
Instrument2022000793
Transaction TypeTransfer
Record UpdatedJan 27, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4341 THOMAS DR, PANAMA CITY BEACH, FL 32408-7320

Tax Assessment & Valuation

The 2025 property tax bill for 694 Seashell Dr was $1,571 with exemptions applied, up 1% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,571.00 (+1.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$172,355$369,099 Land $218,075 Building $151,024
2024$1,555.00 (+2.17%)
2023$1,522.00 (+11.34%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$162,619 (+3%)$306,371 (+25.12%) Land $205,726 Building $100,645
2022$1,367.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$157,883$244,861 Land $170,000 Building $74,861

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 694 Seashell Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 311 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,268 units insured
incl. 957 condo units
Nearby Flood Claims254 (1978–2023)
Claims Outside the SFHA161 of 254
Most Recent ClaimAug 2023 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 46 claims
  • Hurricane Frances, Sep 2004 · 8 claims
  • Hurricane Opal, Oct 1995 · 130 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

The area around 694 Seashell Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 412 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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