7120 Singleton Cir, #B, Panama City, FL 32404 Property Records

Bay County property record for 7120 Singleton Cir, #B, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,692 sqft · built 1985
Lot Size	0.124 acres (5,401 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Aug 2024)
Tax Bill	$3,530 (2025)
Deeds & Mortgages	Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06773-050-000`

Property Details

APN / Parcel Number

Primary APN	`06773-050-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,692 sqft Living Area
Gross Area	2,110 sqft
1st Floor Area	866 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	170 ft deep x 32 ft wide
Garage Type	Attached
Garage Area	418 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	230 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7120 SINGLETON CIR, B
City	PANAMA CITY
State	FL
Zip	32404-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLWY23
Legal Description	CALLAWAY PLAT COM NELY COR L18 B-12 SE 220 SW 182.93 FOR POB TH SW 32.67 SE 170 NELY ALG WATER TO A PT SELY OF POB TH NW 171 TO POB AKA PT L-21 B-12 ORB 4829 P 1612 AKA A-6 SINGLETON HARBOUR EST
Legal Range	13W
Legal Township	04S
Legal Section	17
Legal Subdivision	CALLAWAY PLAT
Legal Block	12
Legal Lot Number	18
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1009
Census Tract	805

Owner

7120 Singleton Cir, #B is owned by an individual who bought it in August 2024.

Source: Bay County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	7120 SINGLETON CIR, PANAMA CITY, FL 32404-8136
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2024 · Amount on File
Deed Sale	Aug 9, 2024 · Amount on File
Deed Document Number	202447187
Deed Book / Page	4829 / 1612
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	7120 SINGLETON CIR # B, B, PANAMA CITY, FL 32404-8136
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14519 SAINT THOMAS CHURCH RD, UPPER MARLBORO, MD 20772-8201

Mortgage

Document Number	0047040705
Date	Jun 28, 2023
Book Page	4704/705
Instrument	2023040406

Lender

Name	BAYWAY MORTGAGE GROUP
Type	Mortgage Company
Address	JACKSONVILLE, FL 32216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 7120 Singleton Cir, #B was $3,530.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,530.00 Homeowner's exemption	$298,510 Land $58,240 Building $240,270	$298,510 Land $58,240 Building $240,270
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$153,566	$182,970 Land $52,915 Building $130,055

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 7120 Singleton Cir, #B in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	22 (1982–2021)
Claims Outside the SFHA	16 of 22
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims Hurricane Opal, Oct 1995 · 5 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

Wildfire risk around 7120 Singleton Cir, #B is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20