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7205 Thomas Dr, Unit D403, Panama City Beach, FL 32408 Property Records

Bay County property record for 7205 Thomas Dr, Unit D403, Panama City Beach, FL 32408

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 980 sqft · built 1982
Owner2 Individual Names on File
Tax Bill$4,073 (2025)
Deeds & MortgagesSep 2018 Sale
Flood ZoneZone VE (high risk)
APN30840-550-000

Property Details

APN / Parcel Number

Primary APN30840-550-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area980 sqft Heated Area

Exterior

Year BuiltBuilt 1982
View / LotWater

Location & Zoning

Street Address7205 THOMAS DR UNIT D403, D403
CityPANAMA CITY BEACH
StateFL
Zip32408-7559
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionDUNES OF PANAMA PHASE IV CONDO UNIT D-403 & CP-12 ORB 4804 P 2060
Legal Range15W
Legal Township04S
Legal Section08
Legal SubdivisionDUNES/PANAMA PH IV CONDO
Legal Phase4
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1005
Census Tract2605

Owner

7205 Thomas Dr, Unit D403 is owned by two individuals who acquired it in May 2024.

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

Owner of Record2 Individual Names on File
Co-owner2 Co-owners on File
Mailing Address418 DEEP FOREST LN, PANAMA CITY BEACH, FL 32408-7462
Owner TypeIndividual

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 Names4 Names on Deed
Last SaleSep 28, 2018
Deed SaleSep 28, 2018
Deed Document Number0040520760
Deed Book / Page004052 / 000760
Last Transfer DateMay 23, 2024
Transfer Doc0048042060
Record UpdatedJun 8, 2026

September 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateSep 28, 2018
Property Address7205 THOMAS DR UNIT D403, D403, PANAMA CITY BEACH, FL 32408-7559
Document Number0040520760
Book / Page004052 / 000760
Instrument DateAug 21, 2018
Instrument58614
Transaction TypeTransfer
Record UpdatedNov 8, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address418 DEEP FOREST LN PANAMA CITY BEACH FL 324087462, PANAMA CITY BEACH, FL 32408-7462

Tax Assessment & Valuation

The 2025 property tax bill for 7205 Thomas Dr, Unit D403 was $4,073.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,073.00$331,339 Building $331,339$331,339 Building $331,339
2023$4,404.00 (+16.08%)$397,800 (+7.31%) Building $397,800$397,800 (+7.31%) Building $397,800
2022$3,794.00$370,685 Building $370,685$370,685 Building $370,685

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

Flood

FEMA maps place 7205 Thomas Dr, Unit D403 in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 326 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,352 units insured
incl. 1,026 condo units
Nearby Flood Claims85 (1983–2020)
Claims Outside the SFHA68 of 85
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 5 claims
  • Hurricane Michael, Oct 2018 · 7 claims
  • Hurricane Opal, Oct 1995 · 56 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

The area around 7205 Thomas Dr, Unit D403 has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 372 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: T-Mobile.

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