Bay County property record for 7205 Thomas Dr, Unit E605, Panama City Beach, FL 32408 · Last verified August 2026
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,000 sqft · built 1985 |
| Lot Size | 0.007 acres (311 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $482,000 (Feb 2026) |
| Tax Bill | $4,526 (2025) |
| Deeds & Mortgages | Feb 2026 Sale Feb 2024 Transfer + 2 more |
| Flood Zone | Zone VE (high risk) |
| APN | 30840-779-000 |
| Primary APN | 30840-779-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Units | 2194 Units |
| Stories | 6 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, E605 |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-8504 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | DUNES OF PANAMA PHASE V UNIT E-605 ORB 1015 P 1886 2BR 2B 1000 H&C ORB 4774 P 911 |
| 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 30840-779-000
Assessment roll updated January 5, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 KRISTINA DR, FAIRBURY, IL 61739-9563 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 10, 2026 | Warranty Deed, Transfer DEFENDER T&E AGCY LLC |
| Feb 16, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Nov 15, 2023 | Warranty Deed, Transfer SETCO SERVICES LLC |
| Jan 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY BK COM'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 10, 2026 · Amount on Record |
| Deed Sale | Feb 10, 2026 · Amount on Record |
| Prior Sale | Nov 15, 2023 · Amount on Record |
| Deed Document Number | 20267863 |
| Deed Book / Page | 5000 / 1434 |
| Prior Transfer Date | Feb 14, 2024 |
| Prior Transfer Doc | 0047740911 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 10, 2026 |
| Property Address | 7205 THOMAS DR UNIT E605, E605, PANAMA CITY BEACH, FL 32408-8504 |
| Document Number | 0050001434 |
| Book / Page | 5000 / 1434 |
| Map Reference | MB 1015 PG 1886 |
| Instrument Date | Feb 04, 2026 |
| Instrument | 2026007863 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2026 |
| Title Company | DEFENDER T&E AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,374.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 283 GILLETTE DR, FRANKLIN, TN 37069-4115 |
| Name | Verified Name |
|---|---|
| Address | 1 KRISTINA DR, FAIRBURY, IL 61739-9563 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 16, 2024 |
| Property Address | 7205 THOMAS DR UNIT E605, E605, PANAMA CITY BEACH, FL 32408-8504 |
| Document Number | 0047740911 |
| Book / Page | 4774 / 911 |
| Map Reference | MB 1015 PG 1886 |
| Instrument Date | Feb 14, 2024 |
| Instrument | 2024008869 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 283 GILLETTE DR, FRANKLIN, TN 37069-4115 |
| Name | Verified Name |
|---|---|
| Address | 283 GILLETTE DR, FRANKLIN, TN 37069-4115 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 15, 2023 |
| Property Address | 7205 THOMAS DR UNIT E605, E605, PANAMA CITY BEACH, FL 32408-8504 |
| Document Number | 0047490721 |
| Book / Page | 4749 / 721 |
| Map Reference | MB 1015 PG 1886 |
| Instrument Date | Nov 09, 2023 |
| Instrument | 2023071727 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,605.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1452 BUCKSNORT RD, JACKSON, GA 30233-6014 |
| Name | Verified Name |
|---|---|
| Address | 283 GILLETTE DR, FRANKLIN, TN 37069-4115 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 28, 2020 |
| Property Address | 7205 THOMAS DR UNIT E605, E605, PANAMA CITY BEACH, FL 32408-8504 |
| Document Number | 0042152066 |
| Book / Page | 004215 / 002066 |
| Instrument Date | Jan 23, 2020 |
| Instrument | 6853 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2020 |
| Title Company | NEW FRONTIER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,946.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1452 BUCKSNORT RD JACKSON GA 302336014, JACKSON, GA 30233-6014 |
| Document Number | 42152068 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 004215/002068 |
| Instrument | 6854 |
| Name | CAPITAL CITY BK COM'L BK |
|---|---|
| Address | 1301 METROPOLITAN BVLD, TALLAHASSEE, FL 32308 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified August 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 (-17.5%) Building $368,155 | $368,155 (-17.5%) Building $368,155 |
| 2024 | $5,576.00 (+12.65%) | ||
| 2023 | $4,950.00 (+30.33%) | $446,250 (+34.65%) Building $446,250 | $446,250 (+34.65%) Building $446,250 |
| 2022 | $3,798.00 | $331,415 Building $331,415 | $331,415 Building $331,415 |
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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