Bay County property record for 706 Michael Dr, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,511 sqft · built 1986 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $64,000 (Oct 1986) |
| Tax Bill | $836 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit May 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07202-554-000 |
| Primary APN | 07202-554-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,511 sqft Heated Area |
| Gross Area | 2,024 sqft |
| 1st Floor Area | 1,511 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,968 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Area | 420 sqft |
| Porch | Porch |
| Porch Area | 93 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 706 MICHAEL DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOX LAKE SUB PHASE I LOT 4 BLK B ORB 1100 P 1506 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 18 |
| Legal Subdivision | LAKE SUB PHASE |
| Legal Phase | 1 |
| Legal Block | B |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 805 |
Source: Bay County records · APN 07202-554-000
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 706 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2018 | Deed of Trust, Mortgage · Line of Credit PEOPLESSOUTH BANK |
| May 09, 2018 | Deed of Trust, Mortgage · Line of Credit PEOPLESSOUTH BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 16, 1986 · Amount on Record |
| Deed Sale | Oct 16, 1986 · Amount on Record |
| Deed Document Number | 0011001506 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 706 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040081036 |
|---|---|
| Date | May 15, 2018 |
| Book Page | 4008/1036 |
| Instrument | 2018028793 |
| Name | PEOPLESSOUTH BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32404 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 07, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 706 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040061307 |
|---|---|
| Date | May 09, 2018 |
| Book Page | 4006/1307 |
| Instrument | 2018027446 |
| Name | PEOPLESSOUTH BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32404 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 07, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $836.00 (+7.73%) Homeowner's exemption | $101,812 (+5.99%) | $138,954 (+13.15%) Land $30,600 Building $108,354 |
| 2023 | $776.00 (+11.49%) Homeowner's exemption | $96,061 (+3%) | $122,808 (+8.11%) Land $24,735 Building $98,073 |
| 2022 | $696.00 Homeowner's exemption | $93,263 | $113,597 Land $24,480 Building $89,117 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), as of September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050008052, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 498 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL1030141, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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