Bay County property record for 7205 Thomas Dr, Unit E505, Panama City Beach, FL 32408 · Last verified February 2026
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,000 sqft · built 1985 |
| Owner | Individual Name on File |
| Last Sale | $269,000 (May 2020) |
| Tax Bill | $4,526 (2025) |
| Deeds & Mortgages | May 2020 Sale Nov 2017 Loan Modification |
| Flood Zone | Zone VE (high risk) |
| APN | 30840-773-000 |
| Primary APN | 30840-773-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Heated Area |
| Year Built | Built 1985 |
|---|---|
| View / Lot | Water |
| Street Address | 7205 THOMAS DR UNIT E505, E505 |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-7569 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | DUNES OF PANAMA PHASE V UNIT E-505 2BR 2B 1000 H&C |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | DUNES/PANAMA PH 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 30840-773-000
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 Record | Individual Name on File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 7205 THOMAS DR UNIT E505, E505, PANAMA CITY BEACH, FL 32408-7569 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2020 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Nov 03, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 4 Verified Names on Deed |
|---|---|
| Last Sale | May 18, 2020 · Amount on Record |
| Deed Sale | May 18, 2020 · Amount on Record |
| Prior Sale | May 18, 2020 · Amount on Record |
| Deed Document Number | 0042521731 |
| Deed Book / Page | 004252 / 001731 |
| Last Transfer Date | Jul 18, 2025 |
| Transfer Doc | 0049331452 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 18, 2020 |
| Property Address | 7205 THOMAS DR UNIT E505, E505, PANAMA CITY BEACH, FL 32408-7569 |
| Document Number | 0042521731 |
| Book / Page | 004252 / 001731 |
| Instrument Date | May 15, 2020 |
| Instrument | 32341 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2020 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,883.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7205 THOMAS DR PANAMA CITY BEACH FL 324087501, PANAMA CITY BEACH, FL 32408-7501 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 7205 THOMAS DR UNIT E505, E505, PANAMA CITY BEACH, FL 32408-7569 |
| Document Number | 0040120561 |
| Instrument Date | Nov 03, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 415 EVANS MILL DR #A EVANS GA 308093725, A, EVANS, GA 30809-3725 |
| Document Number | 0040120561 |
|---|---|
| Date | May 29, 2018 |
| Book Page | 004012/000561 |
| Instrument | 31327 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 468 Months |
| Due | May 28, 2057 |
| Rate | 6.37% |
|---|
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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 (-10.59%) | $368,155 (-21.11%) Building $368,155 | $368,155 (-21.11%) Building $368,155 |
| 2023 | $5,062.00 (+25.55%) | $466,650 (+24.77%) Building $466,650 | $466,650 (+24.77%) Building $466,650 |
| 2022 | $4,032.00 | $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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