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702 Michael Dr, Panama City, FL 32404 Property Records

Bay County property record for 702 Michael Dr, Panama City, FL 32404 · Last verified February 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,398 sqft · built 1986
Lot Size0.137 acres (5,968 sqft)
OwnerIndividual Name on File
Last Sale$245,000 (Oct 2025)
Tax Bill$2,019 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Jun 2022 Transfer
Flood ZoneZone X (minimal risk)
APN07202-550-000

Property Details

APN / Parcel Number

Primary APN07202-550-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,398 sqft Heated Area
Gross Area2,202 sqft
1st Floor Area1,398 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1990
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,968 sqft (0.137 acres)
Lot Dimensions100 ft deep x 60 ft wide
Garage Area504 sqft
PorchPorch
Porch Area300 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address702 MICHAEL DR
CityPANAMA CITY
StateFL
Zip32404-8329
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFOX LAKE SUB PHASE I LOT 2 BLK B ORB 4571 P 1610
Legal Range13W
Legal Township04S
Legal Section18
Legal SubdivisionLAKE SUB PHASE
Legal Phase1
Legal BlockB
Legal Lot Number2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2018
Census Tract805

Owner

Source: Bay County records · APN 07202-550-000

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 RecordIndividual Name on File
Mailing Address702 MICHAEL DR, PANAMA CITY, FL 32404-8329
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 08, 2025Warranty Deed, Transfer · VA Mortgage
GUILD MORTGAGE CO
Jun 02, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 08, 2025 · Amount on Record
Deed SaleOct 08, 2025 · Amount on Record
Prior SaleJun 02, 2022
Deed Document Number2025058472
Deed Book / Page4961 / 907
Record UpdatedJun 08, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 08, 2025
Property Address702 MICHAEL DR, PANAMA CITY, FL 32404-8329
Document Number0049610907
Book / Page4961 / 907
Map ReferenceMB 14 PG 86&87
Instrument DateOct 08, 2025
Instrument2025058472
Transaction TypeTransfer
Record UpdatedApr 02, 2026
Title CompanyANCHOR TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address31710 3RD PL SW, FEDERAL WAY, WA 98023-4821

Transferred To (Grantee/Buyer)

NameVerified Name
Address702 MICHAEL DR, PANAMA CITY, FL 32404-8329

Mortgage

Document Number0004961910
DateOct 08, 2025
Instrument4961/910
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

Mortgage

Document Number0049610934
DateOct 08, 2025
Book Page4961/934
Instrument2025058474
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressLAKEWOOD, NJ 08701
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

June 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateJun 02, 2022
Property Address702 MICHAEL DR, PANAMA CITY, FL 32404-8329
Document Number0045711610
Book / Page4571 / 1610
Map ReferenceMB 14 PG 86&87
Instrument DateJun 02, 2022
Instrument2022041786
Transaction TypeTransfer
Record UpdatedJun 15, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address702 MICHAEL DR, 702, PANAMA CITY, FL 32404-8329

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address702 MICHAEL DR, PANAMA CITY, FL 32404-8329

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,019.00 (+557.65%)$147,469 (+84.04%) Land $30,600 Building $116,869$147,469 (+9.94%) Land $30,600 Building $116,869
2024$307.00 (+3.37%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$80,127 (+3%)$134,132 (+2.91%) Land $29,325 Building $104,807
2023$297.00 (+7.22%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$77,793 (+3.53%)$130,338 (+61.64%) Land $24,735 Building $105,603
2022$277.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed$75,140$80,633 Land $24,480 Building $56,153

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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