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7205 Thomas Dr, Unit E301, Panama City Beach, FL 32408 Property Records

Bay County property record for 7205 Thomas Dr, Unit E301, Panama City Beach, FL 32408 · Last verified February 2026

Property Summary

Property TypeCondominium
Details3 bd · 2 ba · 1,480 sqft · built 1985
OwnerIndividual Name on File
Last Sale$495,000 (May 2020)
Tax Bill$6,739 (2025)
Deeds & MortgagesMay 2020 Sale & Mortgage
Jul 2018 Sale
+ 3 more
Flood ZoneZone VE (high risk)
APN30840-757-000

Property Details

APN / Parcel Number

Primary APN30840-757-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,480 sqft Heated Area

Exterior

Year BuiltBuilt 1985
View / LotWater

Location & Zoning

Street Address7205 THOMAS DR UNIT E301, E301
CityPANAMA CITY BEACH
StateFL
Zip32408-8501
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionDUNES OF PANAMA PHASE V UNIT E-301 ORB 1015 P 1886
Legal Range15W
Legal Township04S
Legal Section08
Legal SubdivisionGAP COVE ESTATES
Legal Phase5
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1005
Census Tract2605

Owner

Source: Bay County records · APN 30840-757-000

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 Address704 LAUREL RIDGE WAY, WOODSTOCK, GA 30188-6713
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2020Warranty Deed, Transfer · Conventional Mortgage
FBT MORTGAGE LLC
Jul 05, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Jun 02, 2017Quit Claim Deed, Transfer
Quitclaim
May 19, 2017Grant Deed, Transfer
DEPENDABLE TITLE SERVICES/FL INC, DEPENDABLE TITLE SVCS/FL INC
Apr 25, 2017Grant Deed, Transfer
OTHER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 12, 2020 · Amount on Record
Deed SaleMay 12, 2020 · Amount on Record
Prior SaleMay 19, 2017 · Amount on Record
Deed Document Number2020031382
Deed Book / Page4251 / 656
Record UpdatedJun 08, 2026

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 12, 2020
Property Address7205 THOMAS DR UNIT E301, E301, PANAMA CITY BEACH, FL 32408-8501
Document Number0042510656
Book / Page4251 / 656
Map ReferenceOR 1015 PG 1886-1996
Instrument DateMay 11, 2020
Instrument2020031382
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyMTI TITLE INSURANCE AGENCY I

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,465.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7940 FRONT BEACH RD # RD1009, 7940, PANAMA CITY BEACH, FL 32407-4817

Transferred To (Grantee/Buyer)

NameVerified Name
Address704 LAUREL RIDGE WAY, WOODSTOCK, GA 30188-6713

Mortgage

Document Number0004251658
DateMay 12, 2020
Instrument4251/658
Lender
NameFBT MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJun 01, 2035

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJul 05, 2018
Property Address7205 THOMAS DR UNIT E301, E301, PANAMA CITY BEACH, FL 32408-8501
Document Number0040241080
Book / Page004024 / 001080
Instrument DateJun 14, 2018
Instrument39590
Transaction TypeTransfer
Record UpdatedJul 23, 2018
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7940 FRONT BEACH RD PANAMA CITY BEACH FL 324074817, PANAMA CITY BEACH, FL 32407-4817

June 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJun 02, 2017
Property Address7205 THOMAS DR UNIT E301, E301, PANAMA CITY BEACH, FL 32408-8501
Document Number0039060904
Book / Page003906 / 000904
Instrument DateJun 01, 2017
Instrument31450
Transaction TypeTransfer
Record UpdatedJul 06, 2017

Transaction

AmountAmount Recorded
Tax$70.00
Amount AccuracyConfirmed
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7205 THOMAS DR #E2102 PANAMA CITY BEACH FL 324088516, E2102, PANAMA CITY BEACH, FL 32408-8516

May 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateMay 19, 2017
Property Address7205 THOMAS DR UNIT E301, E301, PANAMA CITY BEACH, FL 32408-8501
Document Number0039020453
Book / Page003902 / 000453
Instrument DateMay 16, 2017
Instrument28647
Transaction TypeTransfer
Record UpdatedJun 30, 2017
Title CompanyDEPENDABLE TITLE SERVICES/FL INC, DEPENDABLE TITLE SVCS/FL INC

Transaction

AmountAmount Recorded
Tax$2,485.00
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3128 HIGHGATE DR GERMANTOWN TN 381387731, GERMANTOWN, TN 38138-7731

April 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateApr 25, 2017
Property Address7205 THOMAS DR UNIT E301, E301, PANAMA CITY BEACH, FL 32408-8501
Document Number0038941763
Book / Page003894 / 001763
Instrument DateApr 20, 2017
Instrument23170
Transaction TypeTransfer
Record UpdatedJun 01, 2017
Title CompanyOTHER

Transaction

Tax$0.00
Additional
  • Notice of Foreclosure Sale
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address1600 S DOUGLASS RD #200-A ANAHEIM CA 928065948, 200-A, ANAHEIM, CA 92806-5948
InvestorPossibly a Property Investor

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$6,739.00 (-8.87%)$548,234 (-19.12%) Building $548,234$548,234 (-19.12%) Building $548,234
2023$7,395.00 (+15.46%)$677,875 (+6.48%)$677,875 (+6.48%)
2022$6,405.00$636,650$636,650

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 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
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes

Wildfire

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

Values are read at the parcel center point; lenders make the official flood determination.

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