7205 Thomas Dr, Unit E701, Panama City Beach, FL 32408 Property Records

Bay County property record for 7205 Thomas Dr, Unit E701, Panama City Beach, FL 32408 · Last verified February 2026

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,480 sqft · built 1985
Owner	2 Individual Names on File
Last Sale	$445,000 (Jan 2019)
Tax Bill	$6,253 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`30840-781-000`

Property Details

APN / Parcel Number

Primary APN	`30840-781-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,480 sqft Heated Area

Exterior

Year Built	Built 1985
View / Lot	Water

Location & Zoning

Street Address	7205 THOMAS DR UNIT E701, E701
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-701 ORB 1124 P 1183
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

Owner

Source: Bay County records · APN 30840-781-000

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	2 Individual Names on File
Mailing Address	7205 THOMAS DR UNIT E701, E701, PANAMA CITY BEACH, FL 32408-8504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 22, 2019 · Amount on Record
Deed Sale	Jan 22, 2019 · Amount on Record
Prior Sale	Mar 19, 2008
Deed Document Number	2019008045
Deed Book / Page	4081 / 0815
Record Updated	Jun 08, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 22, 2019
Property Address	7205 THOMAS DR UNIT E701, E701, PANAMA CITY BEACH, FL 32408-8504
Document Number	0040810815
Book / Page	004081 / 000815
Instrument Date	Jan 15, 2019
Instrument	8045
Transaction Type	Transfer
Record Updated	Feb 06, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40W043 JACK LONDON ST ST CHARLES IL 601757787, ST CHARLES, IL 60175-7787

Mortgage

Document Number	40810817
Date	Jan 22, 2019
Book Page	004081/000817
Instrument	8046

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,253.00 (-22.51%) Homeowner's exemption	$548,234 (-19.12%) Building $548,234	$548,234 (-19.12%) Building $548,234
2023	$8,069.00 (+25.98%) Homeowner's exemption	$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 · 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 Zone	Zone VE coastal, wave action
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 326 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,352 units insured (1,026 under condo master policies) 114 of 326 individual policies on primary residences
Nearby Flood Claims	85 (1983–2020)
Claims Outside the SFHA	68 of 85
Most Recent Claim	Sep 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 Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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.