Bay County property record for 7110 E 10th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,536 sqft · built 1975 |
| Lot Size | 0.278 acres (12,109 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,000 (Oct 2022) |
| Tax Bill | $1,477 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06000-098-000 |
| Primary APN | 06000-098-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,109 sqft (0.278 acres) |
| Lot Dimensions | 135 ft deep x 90 ft wide |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 95 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7110 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-2302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 5 4S 13W-3.18- BEG 567 S & 515.4 E OF NW COR OF NE1/4 OF SW1/4 TH ELY 135 SLY90 WLY 135 NLY 90 TO POB AKA L-1 B-5 V KENDRICK UNR ORB 4621 P 72 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 05 |
| Legal Subdivision | VERNON KENDRICK PROP |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 803 |
7110 E 10th St is owned and occupied by an individual who bought it in October 2022.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7110 E 10TH ST, PANAMA CITY, FL 32404-2302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 14, 2022 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| Mar 23, 2022 | Warranty Deed, Transfer GIANNELL TITLE LLC |
| Mar 23, 2022 | Warranty Deed, Transfer GIANNELL TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 14, 2022 · Amount on File |
| Deed Sale | Oct 14, 2022 · Amount on File |
| Prior Sale | Mar 23, 2022 · Amount on File |
| Deed Document Number | 202275608 |
| Deed Book / Page | 4621 / 72 |
| Prior Transfer Date | Feb 19, 2010 |
| Prior Transfer Doc | 0032201476 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 14, 2022 |
| Property Address | 7110 E 10TH ST, PANAMA CITY, FL 32404-2302 |
| Document Number | 0046210072 |
| Book / Page | 4621 / 72 |
| Instrument Date | Oct 13, 2022 |
| Instrument | 2022075608 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,183.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4500 N 32ND ST # ST201B, 4500, PHOENIX, AZ 85018-3396 |
| Name | Verified Name |
|---|---|
| Address | 7110 E 10TH ST, PANAMA CITY, FL 32404-2302 |
| Document Number | 0000462174 |
|---|---|
| Date | Oct 14, 2022 |
| Instrument | 4621/74 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 23, 2022 |
| Property Address | 7110 E 10TH ST, PANAMA CITY, FL 32404-2302 |
| Document Number | 0045410114 |
| Book / Page | 4541 / 114 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 2022021793 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2022 |
| Title Company | GIANNELL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 801 KAY LN, 801, LYNN HAVEN, FL 32444-1535 |
| Name | Verified Name |
|---|---|
| Address | 600 SILKS RUN UNIT 2270, 2270, HALLANDALE BEACH, FL 33009-2788 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 23, 2022 |
| Property Address | 7110 E 10TH ST, PANAMA CITY, FL 32404-2302 |
| Document Number | 0045410116 |
| Book / Page | 4541 / 116 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 2022021794 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2022 |
| Title Company | GIANNELL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 600 SILKS RUN UNIT 2270, 600, HALLANDALE BEACH, FL 33009-2788 |
| Name | Verified Name |
|---|---|
| Address | 4500 N 32ND ST STE 201B, 201B, PHOENIX, AZ 85018-3397 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 7110 E 10th St was $1,477 with a homeowner's exemption, down 17.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,477.00 (-17.53%) Homeowner's exemption | $159,014 (+12.1%) Land $24,444 Building $134,570 | $159,014 (+12.1%) Land $24,444 Building $134,570 |
| 2024 | $1,791.00 (-1.21%) | $141,846 (+0.16%) Land $26,015 Building $115,831 | $141,846 (+0.16%) Land $26,015 Building $115,831 |
| 2023 | $1,813.00 (+57.93%) | $141,624 (+47.58%) Land $24,269 Building $117,355 | $141,624 (+47.58%) Land $24,269 Building $117,355 |
| 2022 | $1,148.00 | $95,967 Land $23,134 Building $72,833 | $95,967 Land $23,134 Building $72,833 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7110 E 10th St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1995.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 41 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 14 (1995–2022) |
| Claims Outside the SFHA | 12 of 14 |
| Most Recent Claim | Sep 2022 · 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.
Wildfire risk around 7110 E 10th St is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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