Bay County property record for 712 Michael Dr, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,444 sqft · built 1986 |
| Lot Size | 0.137 acres (5,967 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Nov 2024) |
| Tax Bill | $3,257 (2025) |
| Deeds & Mortgages | Jan 2024 Sale Feb 2023 Foreclosure + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07202-560-000 |
| Primary APN | 07202-560-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| Gross Area | 1,972 sqft |
| 1st Floor Area | 1,444 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,967 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Driveway |
| Porch | Screened/Unfinished Porch |
| Porch Area | 368 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 712 MICHAEL DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | FOX LAKE SUB PHASE I LOT 7 BLK B (132B4) ORB 4763 P 2143 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 18 |
| Legal Subdivision | FOX LAKE SUB |
| Legal Phase | 1 |
| Legal Block | B |
| Legal Lot Number | 7 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 805 |
Source: Bay County records · APN 07202-560-000
Assessment roll updated January 5, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 712 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Jan 10, 2024 | Special Warranty Deed, Transfer SERVICELINK CRS, SERVICELINK LLC |
| Feb 24, 2023 | Quit Claim Deed, Foreclosure ATTORNEY ONLY, ATTORNEY |
| Sep 13, 2022 | Special Warranty Deed, Foreclosure ATTORNEY ONLY, ATTORNEY |
| Aug 24, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 08, 2024 · Amount on Record |
| Deed Sale | Nov 08, 2024 · Amount on Record |
| Prior Sale | Jan 10, 2024 · Amount on Record |
| Deed Document Number | 202465849 |
| Deed Book / Page | 4858 / 172 |
| Prior Transfer Date | Feb 14, 2023 |
| Prior Transfer Doc | 0046600015 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 10, 2024 |
| Property Address | 712 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Document Number | 0047632143 |
| Book / Page | 4763 / 2143 |
| Map Reference | MB 14 PG 86&87 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 2024001325 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2024 |
| Title Company | SERVICELINK CRS, SERVICELINK LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $911.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3232 NEWMARK DR, MIAMISBURG, OH 45342-5421 |
| Name | Verified Name |
|---|---|
| Address | 9061 N NEW RIVER CANAL RD, PLANTATION, FL 33324-3803 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 24, 2023 |
| Property Address | 712 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Document Number | 0046600015 |
| Book / Page | 4660 / 15 |
| Map Reference | MB 14 PG 86&87 |
| Instrument Date | Feb 14, 2023 |
| Instrument | 2023010903 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 27, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 13, 2022 |
| Property Address | 712 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Document Number | 0046090906 |
| Book / Page | 4609 / 906 |
| Map Reference | MB 14 PG 86&87 |
| Instrument Date | Aug 03, 2022 |
| Instrument | 2022067720 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 10, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3232 NEWMARK DR, 3232, MIAMISBURG, OH 45342-5421 |
| Name | Verified Name |
|---|---|
| Address | 3401 WEST END AVE STE 760W, 760W, NASHVILLE, TN 37203-1042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 24, 2022 |
| Property Address | 712 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Document Number | 0046020880 |
| Book / Page | 4602 / 880 |
| Map Reference | MB 14 PG 86&87 |
| Instrument Date | Jul 14, 2022 |
| Instrument | 2022062942 |
| Transaction Type | Transfer |
| Record Updated | Sep 09, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,105.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3232 NEWRNARK DRIVE, MIAMISBURG, OH 45342 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,257.00 (+76.05%) | $237,893 (+81.58%) Land $30,600 Building $207,293 | $237,893 (+81.58%) Land $30,600 Building $207,293 |
| 2024 | $1,850.00 (+1.65%) | ||
| 2023 | $1,820.00 (+16.37%) | $131,013 (+8.16%) Land $24,735 Building $106,278 | $131,013 (+8.16%) Land $24,735 Building $106,278 |
| 2022 | $1,564.00 | $121,134 Land $24,480 Building $96,654 | $121,134 Land $24,480 Building $96,654 |
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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