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7205 Thomas Dr, Unit E203, Panama City Beach, FL 32408 Property Records

Bay County property record for 7205 Thomas Dr, Unit E203, Panama City Beach, FL 32408 · Last verified February 2026

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,000 sqft · built 1985
OwnerIndividual Name on File
Tax Bill$4,526 (2025)
Deeds & MortgagesDec 2023 Sale
Dec 2022 Sale
+ 1 more
Flood ZoneZone VE (high risk)
APN30840-753-000

Property Details

APN / Parcel Number

Primary APN30840-753-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area1,000 sqft Heated Area

Exterior

Year BuiltBuilt 1985
View / LotWater

Location & Zoning

Street Address7205 THOMAS DR UNIT E203, E203
CityPANAMA CITY BEACH
StateFL
Zip32408-8500
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionDUNES OF PANAMA PHASE V UNIT E-203 ORB 1015 P 1886
Legal Range15W
Legal Township04S
Legal Section08
Legal SubdivisionDUNES/PANAMA PH V
Legal Phase5
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1005
Census Tract2605

Owner

Source: Bay County records · APN 30840-753-000

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4544 POST OAK PLACE DR STE 270, 270, HOUSTON, TX 77027-3104
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 01, 2023Warranty Deed, Transfer
Dec 16, 2022Warranty Deed, Transfer
Sep 02, 2021Warranty Deed, Transfer
NOT AVAILABLE, DEFENDER T&E AGCY LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 01, 2023
Deed SaleDec 01, 2023
Prior SaleDec 16, 2022
Deed Document Number2023075012
Deed Book / Page4754 / 3
Record UpdatedJun 08, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 01, 2023
Property Address7205 THOMAS DR UNIT E203, E203, PANAMA CITY BEACH, FL 32408-8500
Document Number0047540003
Book / Page4754 / 3
Map ReferenceMB 1015 PG 1886-1996
Instrument DateNov 27, 2023
Instrument2023075012
Transaction TypeTransfer
Record UpdatedJan 15, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2290 SUMMER RIDGE DR, HOOVER, AL 35226-1586

Transferred To (Grantee/Buyer)

NameVerified Name
Address4544 POST OAK PLACE DR STE 270, 270, HOUSTON, TX 77027-3104

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 16, 2022
Property Address7205 THOMAS DR UNIT E203, E203, PANAMA CITY BEACH, FL 32408-8500
Document Number0046401145
Book / Page4640 / 1145
Map ReferenceMB 1886 PG 1996-A
Instrument DateAug 22, 2022
Instrument2022089063
Transaction TypeTransfer
Record UpdatedJan 15, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address454 POST OAK BLVD270, 270, HOUSTON, TX 77027

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address2290 SUMMER RIDGE DR, HOOVER, AL 35226-1586

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 02, 2021
Property Address7205 THOMAS DR UNIT E203, E203, PANAMA CITY BEACH, FL 32408-8500
Document Number0044560181
Book / Page4456 / 181
Map ReferenceMB 1015 PG 1886-1996
Instrument DateSep 02, 2021
Instrument2021067929
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyNOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

AmountAmount Recorded
Tax$3,080.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address215 RIVERWIND TRL, MEIGS, GA 31765-4654

Transferred To (Grantee/Buyer)

NameVerified Name
Address454 POST OAK BLVD # 270, 270, HOUSTON, TX 77027

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,526.00 (-22.95%)$368,155 (-21.11%) Building $368,155$368,155 (-21.11%) Building $368,155
2023$5,874.00 (+34.57%)$466,650 (+24.77%) Building $466,650$466,650 (+24.77%) Building $466,650
2022$4,365.00$374,000 Building $374,000$374,000 Building $374,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050026051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone VE
coastal, wave action
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 326 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,352 units insured (1,026 under condo master policies)
114 of 326 individual policies on primary residences
Nearby Flood Claims85 (1983–2020)
Claims Outside the SFHA68 of 85
Most Recent ClaimSep 2020, Hurricane Sally
Flood Events
  • Hurricane Sally (Sep 2020), 5 claims
  • Hurricane Michael (Oct 2018), 7 claims
  • Hurricane Opal (Oct 1995), 56 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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