72 Gulf Loop, Panama City, FL 32408 Property Records

Bay County property record for 72 Gulf Loop, Panama City, FL 32408

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,032 sqft · built 1998
Lot Size	0.019 acres (827 sqft)
Owner	Company Name on Record
Last Sale	$385,000 (Mar 2021)
Tax Bill	$3,760 (2025)
Deeds & Mortgages	Apr 2023 Transfer Mar 2021 Sale
Flood Zone	Zone X (moderate risk)
APN	`31439-087-000`

Property Details

APN / Parcel Number

Primary APN	`31439-087-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	827 sqft (0.019 acres)
Driveway	Driveway
Driveway Area	210 sqft
Porch	Open Porch
Porch Area	144 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	72 GULF LOOP
City	PANAMA CITY
State	FL
Zip	32408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	BC16
Legal Description	VENTURE OUT TRAVEL TRAIL LOT 87 BLK 1 ORB 4678 P 767
Legal Range	15W
Legal Township	04S
Legal Section	16
Legal Subdivision	VENTURE OUT TRAVEL TRAIL
Legal Block	1
Legal Lot Number	87
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1037
Census Tract	2607

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4341 THOMAS DR, A24, PANAMA CITY, FL 32408-7353
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Intrafamily Transfer, Transfer ACCOMMODATION
Mar 3, 2021	Warranty Deed, Transfer DIAMOND TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2021 · Amount on Record
Deed Sale	Mar 3, 2021 · Amount on Record
Prior Sale	Jul 14, 2003 · Amount on Record
Deed Document Number	202115059
Deed Book / Page	4370 / 1259
Last Transfer Date	Apr 13, 2023
Transfer Doc	0046780767
Record Updated	Jun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Apr 13, 2023
Property Address	72 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0046780767
Book / Page	4678 / 767
Map Reference	MB 464 PG 611
Instrument Date	Apr 13, 2023
Instrument	2023022691
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4341 THOMAS DR, PANAMA CITY BEACH, FL 32408-7320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 THOMAS DR, PANAMA CITY BEACH, FL 32408-7320
Investor	Possibly a Property Investor

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 3, 2021
Property Address	72 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0043701259
Book / Page	4370 / 1259
Map Reference	MB 956 PG 69
Instrument Date	Feb 26, 2021
Instrument	2021015059
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4772 LOBLOLLY WAY, PANAMA CITY, FL 32404-1239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 THOMAS DR LOT A24, A24, PANAMA CITY BEACH, FL 32408-7353

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,760.00 (+2.09%) Homeowner's exemption	$345,448 (+5.99%)	$484,434 (+26.52%) Land $218,075 Building $266,359
2024	$3,683.00 (+1.57%)
2023	$3,626.00 (+11.26%) Homeowner's exemption	$325,934 (+3%)	$382,890 (+21%) Land $205,726 Building $177,164
2022	$3,259.00 Homeowner's exemption	$316,441 Land $170,000 Building $146,441	$316,441 Land $170,000 Building $146,441

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 311 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,268 units insured incl. 957 condo units
Nearby Flood Claims	254 (1978–2023)
Claims Outside the SFHA	161 of 254
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 46 claims Hurricane Frances, Sep 2004 · 8 claims Hurricane Opal, Oct 1995 · 130 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	Not rated no burnable land within 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	CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Apr 2025
Lead	4 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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