Bay County property record for 7205 Thomas Dr, Unit D902, Panama City Beach, FL 32408
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1.5 ba · 980 sqft · built 1982 |
| Lot Size | 0.007 acres (313 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,073 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 30840-608-000 |
| Primary APN | 30840-608-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Units | 2194 Units |
| Stories | 10 Stories |
| Building Area | 980 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Condo/Apartment |
| Lot Area | 313 sqft (0.007 acres) |
| View / Lot | Gulf |
| Street Address | 7205 THOMAS DR, D902 |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32408-7564 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | SR2 |
| Legal Description | DUNES OF PANAMA PHASE IV UNIT D-902 ORB 1454 P 964 ORB 1805 P 1080 2BR 1.5B 900 H&C |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | DUNES OF PANAMA PHASE IV |
| Legal Phase | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 2605 |
7205 Thomas Dr, Unit D902, a condominium, is owned by a company.
Source: Bay County records, as of September 15, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 7205 THOMAS DR, PANAMA CITY, FL 32408-7501 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 7205 Thomas Dr, Unit D902 was $4,073, down 17.6% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,073.00 (-17.6%) | $331,339 Building $331,339 | $331,339 Building $331,339 |
| 2024 | $4,943.00 (+14.66%) | ||
| 2023 | $4,311.00 (+15.86%) | $397,800 (+7.31%) Building $397,800 | $397,800 (+7.31%) Building $397,800 |
| 2022 | $3,721.00 | $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.
FEMA maps place 7205 Thomas Dr, Unit D902 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 VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 326 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,352 units insured incl. 1,026 condo units |
| Nearby Flood Claims | 85 (1983–2020) |
| Claims Outside the SFHA | 68 of 85 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
The area around 7205 Thomas Dr, Unit D902 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 372 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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