7128 Singleton Cir, Panama City, FL 32404 Property Records

Bay County property record for 7128 Singleton Cir, Panama City, FL 32404

Property Summary

Property Type	Residential Vacant Land
Details	2 bd · 1 ba · 667 sqft · built 1956
Lot Size	0.435 acres (18,992 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Mar 2018)
Tax Bill	$1,242 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06772-000-000`

Property Details

APN / Parcel Number

Primary APN	`06772-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	667 sqft
1st Floor Area	667 sqft

Exterior

Year Built	Built 1956
Exterior Material	Concrete Block
Lot Area	18,992 sqft (0.435 acres)
Lot Dimensions	380 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	160 sqft
Porch	Porch
Porch Area	551 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant

Location & Zoning

Street Address	7128 SINGLETON CIR
City	PANAMA CITY
State	FL
Zip	32404-8136
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	CALLAWAY PLAT LOT 17 & ADJ PART OF DRIVE ORB 222 P 287 ORB 3990 P 663 BLK 12
Legal Range	13W
Legal Township	04S
Legal Section	17
Legal Subdivision	CALLAWAY PLAT
Legal Block	12
Legal Lot Number	17
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1009
Census Tract	805

Owner

7128 Singleton Cir, residential vacant land, is owned by two individuals who bought it in March 2018.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9519 POCONO CT, FREDERICK, MD 21702-2149
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2018 · Amount on File
Deed Sale	Mar 20, 2018 · Amount on File
Prior Sale	Oct 16, 2007 · Amount on File
Deed Document Number	2018016105
Deed Book / Page	3990 / 0663
Record Updated	Jun 8, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 20, 2018
Property Address	7128 SINGLETON CIR, PANAMA CITY, FL 32404-8136
Document Number	0039900663
Book / Page	003990 / 000663
Instrument Date	Mar 16, 2018
Instrument	16105
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9519 POCONO CT FREDERICK MD 217022149, FREDERICK, MD 21702-2149

Mortgage

Document Number	39900665
Date	Mar 20, 2018
Book Page	003990/000665
Instrument	16106

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 19, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 7128 Singleton Cir was $1,242.

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

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	$1,242.00	$102,716 Land $102,375 Building $341	$102,716 Land $102,375 Building $341
2023	$1,089.00 (+36.13%)	$93,356 (+50.55%) Land $93,015 Building $341	$93,356 (+50.55%) Land $93,015 Building $341
2022	$800.00	$62,010 Land $62,010	$62,010 Land $62,010

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

Flood

FEMA maps place 7128 Singleton Cir 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 7128 Singleton Cir 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