Bay County property record for 70 Gulf Loop, #C8, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 804 sqft · built 1983 |
| Lot Size | 0.019 acres (828 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Dec 2020) |
| Tax Bill | $5,216 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31439-089-000 |
| Primary APN | 31439-089-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 804 sqft Heated Area |
| Gross Area | 940 sqft |
| 1st Floor Area | 804 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 828 sqft (0.019 acres) |
| Driveway | Driveway |
| Driveway Area | 168 sqft |
| Porch | Porch |
| Porch Area | 96 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 70 GULF LOOP # C8, C8 |
|---|---|
| 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 89 BLK 1 ORB 4340 P 225 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 16 |
| Legal Subdivision | VENTURE OUT/PANAMA CITY BCH IN |
| Legal Block | 1 |
| Legal Lot Number | 89 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 2607 |
70 Gulf Loop, #C8 is owned by two individuals who bought it in December 2020.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 341 S BONITA AVE, PANAMA CITY, FL 32401-3961 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2020 · Amount on File |
| Deed Sale | Dec 18, 2020 · Amount on File |
| Prior Sale | Dec 27, 2002 · Amount on File |
| Deed Document Number | 2020086045 |
| Deed Book / Page | 4340 / 225 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 18, 2020 |
| Property Address | 70 E GULF BLVD # C8, C8, PANAMA CITY BEACH, FL 32408 |
| Document Number | 0043400226 |
| Book / Page | 004340 / 000226 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 86045 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2021 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4164 CREEKVIEW CT AUBURN AL 368327838, AUBURN, AL 36832-7838 |
| Document Number | 43400227 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 004340/000227 |
| Instrument | 86046 |
| Name | REGIONS MTG |
|---|---|
| Type | Mortgage Company |
| Address | 2050 PARKWAY OFFICE CIR, HOOVER, AL 35244-1805 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 17, 2050 |
The 2025 property tax bill for 70 Gulf Loop, #C8 was $5,216.
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 | $5,216.00 | $469,385 Land $218,075 Building $251,310 | $469,385 Land $218,075 Building $251,310 |
| 2023 | $4,347.00 (+24.09%) | $373,790 (+21.71%) Land $205,726 Building $168,064 | $373,790 (+21.71%) Land $205,726 Building $168,064 |
| 2022 | $3,503.00 | $307,116 Land $170,000 Building $137,116 | $307,116 Land $170,000 Building $137,116 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 70 Gulf Loop, #C8 in Zone X, an area of minimal 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
The area around 70 Gulf Loop, #C8 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 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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