7203 Elder Way, Youngstown, FL 32466 Property Records

Bay County property record for 7203 Elder Way, Youngstown, FL 32466

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,728 sqft · built 1999
Lot Size	0.46 acres (20,036 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Nov 2023)
Tax Bill	$259 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05264-171-026`

Property Details

APN / Parcel Number

Primary APN	`05264-171-026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,036 sqft (0.46 acres)
Garage Type	Carport
Carport	Carport
Porch	Unfinished Open Porch
Porch Area	288 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7203 ELDER WAY
City	YOUNGSTOWN
State	FL
Zip	32466-3387
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R2
Legal Description	15 2S 13W -1.221B- 141A COM NW COR TH S 387.11 SELY 2990.25 S75E 352.51, S75E 54.32, S75E 223.81, S76E 61.43, S 486.30, S11W 535.58 , S20E 31.31 FOR POB TH N69E 150, S20E 150, S69W 150, N20W 150 TO POB POB AKA LOT 14A BLK B PANAMA PINES UNIT XI UNREC
Legal Range	13W
Legal Township	02S
Legal Section	15
Legal Subdivision	PANAMA PINES
Legal Block	B
Legal Lot Number	14A
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	1
Census Block	1005
Census Tract	401

Owner

7203 Elder Way, a mobile home, is owned and occupied by two individuals who bought it in November 2023.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	7203 ELDER WAY, YOUNGSTOWN, FL 32466-3387
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Nov 7, 2023	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2023 · Amount on File
Deed Sale	Nov 7, 2023 · Amount on File
Prior Sale	Oct 18, 2013 · Amount on File
Deed Document Number	202370443
Deed Book / Page	4747 / 1222
Prior Transfer Date	Dec 10, 2013
Prior Transfer Doc	0035730235
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	7203 ELDER WAY, YOUNGSTOWN, FL 32466-3387
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7203 ELDER WAY, YOUNGSTOWN, FL 32466-3387

Mortgage

Document Number	0049630992
Date	Oct 15, 2025
Book Page	4963/992
Instrument	2025059952

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 7, 2023
Property Address	7203 ELDER WAY, YOUNGSTOWN, FL 32466-3387
Document Number	0047471222
Book / Page	4747 / 1222
Instrument Date	Nov 6, 2023
Instrument	2023070443
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	ANCHOR TITLE COMPANY, ANCHOR TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 E BENNINGTON ST, TOLUCA, IL 61369-9594

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7203 ELDER WAY, YOUNGSTOWN, FL 32466-3387

Mortgage

Document Number	0047471224
Date	Nov 7, 2023
Instrument	4747/1224

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 8, 2017
Property Address	7203 ELDER WAY, YOUNGSTOWN, FL 32466-3387
Document Number	0039342216
Book / Page	003934 / 002216
Instrument Date	Sep 5, 2017
Instrument	51229
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7203 ELDER WAY YOUNGSTOWN FL 324663387, YOUNGSTOWN, FL 32466-3387

Tax Assessment & Valuation

The 2025 property tax bill for 7203 Elder Way was $259 with a homeowner's exemption, down 8.2% from the year before.

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	$259.00 (-8.16%) Homeowner's exemption	$45,937	$49,719 Land $21,755 Building $27,964
2024	$282.00 (+15.57%)
2023	$244.00 (+14.02%) Homeowner's exemption	$41,296 (+3%)	$51,945 (+10.72%) Land $16,018 Building $35,927
2022	$214.00 Homeowner's exemption	$40,093	$46,915 Land $14,516 Building $32,399

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 7203 Elder Way in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 42 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Oct 2018 · Hurricane Michael

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 7203 Elder Way is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 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	None 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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