Bay County property record for 7205 Thomas Dr, Unit E403, Panama City Beach, FL 32408 · Last verified April 2026
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,000 sqft · built 1985 |
| Lot Size | 0.007 acres (311 sqft) |
| Owner | Company Name on File |
| Last Sale | $580,000 (Jun 2021) |
| Tax Bill | $4,526 (2025) |
| Deeds & Mortgages | Dec 2021 Sale Jul 2021 Transfer + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 30840-765-000 |
| Primary APN | 30840-765-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Units | 2194 Units |
| Stories | 4 Stories |
| Building Area | 1,000 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Condo/Apartment |
| Lot Area | 311 sqft (0.007 acres) |
| View / Lot | Gulf |
| Street Address | 7205 THOMAS DR, E403 |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-8502 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | DUNES OF PANAMA PHASE V UNIT E-403 ORB 1015 P 1886 2BR 2B 1000 H&C ORB 4505 P 221 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | DUNES OF PANAMA PHASE V |
| Legal Phase | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 2605 |
Source: Bay County records · APN 30840-765-000
Assessment roll updated January 5, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3718 HIGHWAY 25, COTTONTOWN, TN 37048-4609 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Dec 29, 2021 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Jul 21, 2021 | Correction Deed MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Jun 28, 2021 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 28, 2021 · Amount on Record |
| Deed Sale | Jun 28, 2021 · Amount on Record |
| Prior Sale | Jan 06, 2003 · Amount on Record |
| Deed Document Number | 202149008 |
| Deed Book / Page | 4426 / 491 |
| Prior Transfer Date | Jan 05, 2003 |
| Prior Transfer Doc | 0000000807 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 29, 2021 |
| Property Address | 7205 THOMAS DR UNIT E403, E403, PANAMA CITY BEACH, FL 32408-8502 |
| Document Number | 0045050221 |
| Book / Page | 4505 / 221 |
| Map Reference | MB 1015 PG 1886 |
| Instrument Date | Dec 28, 2021 |
| Instrument | 2021098351 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3718 HIGHWAY 25, COTTONTOWN, TN 37048-4609 |
| Name | Verified Name |
|---|---|
| Address | 3718 HIGHWAY 25, COTTONTOWN, TN 37048-4609 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 21, 2021 |
| Property Address | 7205 THOMAS DR UNIT E403, E403, PANAMA CITY BEACH, FL 32408-8502 |
| Document Number | 0044362267 |
| Book / Page | 4436 / 2267 |
| Map Reference | MB 1015 PG 1886 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 2021055834 |
| Record Updated | Jan 15, 2024 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 2567 GRAPEVINE CIR, CUMMING, GA 30041-7970 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3718 HIGHWAY 25, COTTONTOWN, TN 37048-4609 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 28, 2021 |
| Property Address | 7205 THOMAS DR UNIT E403, E403, PANAMA CITY BEACH, FL 32408-8502 |
| Document Number | 0044260491 |
| Book / Page | 4426 / 491 |
| Map Reference | MB 1015 PG 1886 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2021049008 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,060.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1835 ASHWAY DR, CUMMING, GA 30040-7158 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 6718 HWY 25, COTTONTOWN, TN 37048 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,526.00 (-18.83%) | $368,155 (-21.11%) Building $368,155 | $368,155 (-21.11%) Building $368,155 |
| 2024 | $5,576.00 (+1.64%) | ||
| 2023 | $5,486.00 (+25.68%) | $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 |
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
| FEMA Flood Zone | Zone VE coastal, wave action |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Coastal | Yes |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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