Bay County property record for 705 E Beach Dr, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,748 sqft · built 1915 |
| Lot Size | 0.204 acres (8,886 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,794 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 20310-000-000 |
| Primary APN | 20310-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,748 sqft Living Area |
| Gross Area | 4,273 sqft |
| 1st Floor Area | 2,048 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,886 sqft (0.204 acres) |
| Lot Dimensions | 127 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Driveway | Driveway |
| Driveway Area | 1,870 sqft |
| Porch | Florida Room |
| Porch Area | 396 sqft |
| Patio Area | 811 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 705 E BEACH DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | HARMON PLAT LOT 5 BLK 7 ORB 1298 P 530 ORB 1483 P1171 ORB 2212 P 25 MAP 105C3 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | HARMON PLAT |
| Legal Block | 7 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 1900 |
Source: Bay County records, as of January 5, 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 Record |
|---|---|
| Mailing Address | 705 E BEACH DR, PANAMA CITY, FL 32401-3279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 25, 2002 |
| Transfer Doc | 0022120025 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,794.00 (-1.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $223,953 (+5.99%) | $566,116 (+39.95%) Land $157,262 Building $408,854 |
| 2024 | $2,847.00 (-9.27%) | ||
| 2023 | $3,138.00 (+4.88%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $211,302 (+3%) | $404,502 (+7.93%) Land $145,418 Building $259,084 |
| 2022 | $2,992.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $205,148 | $374,776 Land $132,258 Building $242,518 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 184 units insured incl. 146 condo units |
| Nearby Flood Claims | 75 (1982–2018) |
| Claims Outside the SFHA | 41 of 75 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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