Bay County property record for 705 Michael Dr, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,518 sqft · built 1992 |
| Lot Size | 0.137 acres (5,967 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $961 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06991-030-030 |
| Primary APN | 06991-030-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,518 sqft Living Area |
| Gross Area | 1,955 sqft |
| 1st Floor Area | 1,278 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,967 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 437 sqft |
| Driveway | Driveway |
| Driveway Area | 656 sqft |
| Porch | Florida Room |
| Porch Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 705 MICHAEL DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | 18 4S 13W -2.4C- 132B4 COM AT SW COR OF BLK B FOX LAKE SUBD PH I TH W 50.06 N 17.83 TO INTERSECT OF N R/W LINE OF LAKE DR & W R/W OF MICHAEL DR TH CONT N 126.37 FOR POB TH W 100 N 60 E 100 TO W R/W OF MICHAEL DR S 60 TO N R/W OF LAKE DR TO POB ORB 17 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 18 |
| Legal Subdivision | FOX LAKE SUBD |
| Legal Phase | 1 |
| Legal Block | B |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 805 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 705 MICHAEL DR, PANAMA CITY, FL 32404-8330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 23, 2004 |
| Transfer Doc | 0023910349 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $961.00 (+3.89%) Homeowner's exemption | $110,935 (+5.99%) | $130,885 (+12.89%) Land $30,600 Building $100,285 |
| 2024 | $925.00 (+3.24%) | ||
| 2023 | $896.00 (+11.44%) Homeowner's exemption | $104,669 (+3%) | $115,945 (+7.23%) Land $24,735 Building $91,210 |
| 2022 | $804.00 Homeowner's exemption | $101,620 | $108,125 Land $24,480 Building $83,645 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 43 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 31 (1978–2021) |
| Claims Outside the SFHA | 26 of 31 |
| Most Recent Claim | Oct 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% 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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 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 498 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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