709 E Beach Dr, Panama City, FL 32401 Property Records

Bay County property record for 709 E Beach Dr, Panama City, FL 32401

Property Summary

Property Type	Quadplex
Details	2 bd · 1 ba · 3,696 sqft · built 1943
Lot Size	0.185 acres (8,102 sqft)
Owner	Individual Name on Record
Last Sale	$1,000,000 (Mar 2024)
Tax Bill	$11,666 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`20311-000-000`

Property Details

APN / Parcel Number

Primary APN	`20311-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	4 Units
Stories	2 Stories
Building Area	3,696 sqft Heated Area
1st Floor Area	1,980 sqft
2nd Floor Area	891 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 2023
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	8,102 sqft (0.185 acres)
Lot Dimensions	116 ft deep x 35 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	709 E BEACH DR
City	PANAMA CITY
State	FL
Zip	32401-5812
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Local Zoning Code	PC05
Legal Description	HARMON PLAT LOT 6 BLK 7 ORB 4787 P 971
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	7
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1009
Census Tract	1900

Owner

Source: Bay County records, as of January 23, 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	241 S COVE TERRACE DR, PANAMA CITY, FL 32401-4038
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2024 · Amount on Record
Deed Sale	Mar 28, 2024 · Amount on Record
Deed Document Number	0004787971
Deed Book / Page	4787 / 971
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 28, 2024
Property Address	709 E BEACH DR, PANAMA CITY, FL 32401-5812
Document Number	0047870971
Book / Page	4787 / 971
Map Reference	MB 4 PG 8
Instrument Date	Mar 28, 2024
Instrument	2024018098
Transaction Type	Transfer
Record Updated	Apr 29, 2024
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	702 BUNKERS COVE RD, PANAMA CITY, FL 32401-3920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	241 S COVE TERRACE DR, PANAMA CITY, FL 32401-4038

Mortgage

Document Number	0004787973
Date	Mar 28, 2024
Instrument	4787/973

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year T-Bill
Max Rate	11%

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,666.00 (+312.96%)	$738,649 (+228.93%) Land $152,244 Building $586,405	$738,649 (+167.58%) Land $152,244 Building $586,405
2023	$2,825.00 (+8.32%) Homeowner's exemption	$224,558 (+5.34%)	$276,050 (+8.36%) Land $140,776 Building $135,274
2022	$2,608.00 Homeowner's exemption	$213,184	$254,760 Land $128,036 Building $126,724

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Hurricane Michael, Oct 2018 · 33 claims Hurricane Opal, Oct 1995 · 37 claims

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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