Bay County property record for 7205 Thomas Dr, Unit E703, 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 (313 sqft) |
| Owner | Company Name on File |
| Last Sale | $548,000 (Apr 2022) |
| Tax Bill | $4,526 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Feb 2020 Sale |
| Flood Zone | Zone VE (high risk) |
| APN | 30840-783-000 |
| Primary APN | 30840-783-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Units | 2194 Units |
| Stories | 7 Stories |
| Building Area | 1,000 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Condo/Apartment |
| Lot Area | 313 sqft (0.007 acres) |
| View / Lot | Gulf |
| Street Address | 7205 THOMAS DR, E703 |
|---|---|
| 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-703 ORB 1015 P 1886 2BR 2B 1000 H&C ORB 4547 P 1762 . |
| 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 30840-783-000
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 | 541 E MOUNTAIN RD N, COLD SPRING, NY 10516-4340 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Apr 07, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF THE OZARKS |
| Feb 28, 2020 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 07, 2022 · Amount on Record |
| Deed Sale | Apr 07, 2022 · Amount on Record |
| Prior Sale | Feb 28, 2020 · Amount on Record |
| Deed Document Number | 202226030 |
| Deed Book / Page | 4547 / 1762 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 07, 2022 |
| Property Address | 7205 THOMAS DR UNIT E703, E703, PANAMA CITY BEACH, FL 32408-8504 |
| Document Number | 0045471762 |
| Book / Page | 4547 / 1762 |
| Map Reference | MB 1015 PG 1886 |
| Instrument Date | Apr 04, 2022 |
| Instrument | 2022026030 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,836.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 340 STONEGATE DR, DOTHAN, AL 36305-1055 |
| Name | Verified Name |
|---|---|
| Address | 541 E MOUNTAIN RD N, COLD SPRING, NY 10516-4340 |
| Document Number | 0045471766 |
|---|---|
| Date | Apr 07, 2022 |
| Instrument | 4547/1766 |
| Name | BANK OF THE OZARKS |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 04, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 28, 2020 |
| Property Address | 7205 THOMAS DR UNIT E703, E703, PANAMA CITY BEACH, FL 32408-8504 |
| Document Number | 0042270264 |
| Book / Page | 004227 / 000264 |
| Instrument Date | Feb 25, 2020 |
| Instrument | 15389 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,450.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 340 STONEGATE DR DOTHAN AL 363051055, DOTHAN, AL 36305-1055 |
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 (-5.07%) | ||
| 2023 | $5,874.00 (+45.68%) | $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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