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7205 Thomas Dr, Unit E806, Panama City Beach, FL 32408 Property Records

Bay County property record for 7205 Thomas Dr, Unit E806, Panama City Beach, FL 32408 · Last verified February 2026

Property Summary

Property TypeCondominium
Details3 bd · 2 ba · 1,480 sqft · built 1985
OwnerCompany Name on File
Last Sale$800,000 (Mar 2024)
Tax Bill$6,739 (2025)
Deeds & MortgagesMar 2024 Sale
Jun 2020 Sale & Mortgage
Flood ZoneZone VE (high risk)
APN30840-792-000

Property Details

APN / Parcel Number

Primary APN30840-792-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,480 sqft Heated Area

Exterior

Year BuiltBuilt 1985
View / LotWater

Location & Zoning

Street Address7205 THOMAS DR UNIT E806, E806
CityPANAMA CITY BEACH
StateFL
Zip32408-8506
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionDUNES OF PANAMA PHASE V UNIT E-806 & GARAGE UNIT G-10 ORB 1015 P 1886
Legal Range15W
Legal Township04S
Legal Section08
Legal SubdivisionDUNES/PANAMA PH V
Legal Phase5
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1005
Census Tract2605

Owner

Source: Bay County records · APN 30840-792-000

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 RecordCompany Name on File
Co-ownerVerified Secondary Owner
Mailing Address170 CALIFORNIA RD, PEKIN, IL 61554-9507
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Mar 28, 2024Warranty Deed, Transfer
SETCO SERVICES LLC
Jun 08, 2020Warranty Deed, Transfer · Conventional Mortgage
FBT MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 28, 2024 · Amount on Record
Deed SaleMar 28, 2024 · Amount on Record
Prior SaleJun 08, 2020 · Amount on Record
Deed Document Number2024017740
Deed Book / Page4786 / 2182
Record UpdatedJun 08, 2026

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 28, 2024
Property Address7205 THOMAS DR UNIT E806, E806, PANAMA CITY BEACH, FL 32408-8506
Document Number0047862182
Book / Page4786 / 2182
Map ReferenceMB 1015 PG 1886
Instrument DateMar 25, 2024
Instrument2024017740
Transaction TypeTransfer
Record UpdatedApr 29, 2024
Title CompanySETCO SERVICES LLC

Transaction

AmountAmount Recorded
Tax$5,600.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3538 STATE AVE, PANAMA CITY, FL 32405-3329

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address1202 TIMBER LN, PEKIN, IL 61554-2453

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 08, 2020
Property Address7205 THOMAS DR UNIT E806, E806, PANAMA CITY BEACH, FL 32408-8506
Document Number0042600398
Book / Page4260 / 398
Map ReferenceMB 1015 PG 1886
Instrument DateJun 08, 2020
Instrument2020037086
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyMTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,213.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address22411 S RIVER RIDGE RD, 22411, PECULIAR, MO 64078-8724

Transferred To (Grantee/Buyer)

NameVerified Name
Address3538 STATE AVE, PANAMA CITY, FL 32405-3329

Mortgage

Document Number0004260400
DateJun 08, 2020
Instrument4260/400
Lender
NameFBT MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,739.00 (-8.87%)$548,234 (-19.12%) Building $548,234$548,234 (-19.12%) Building $548,234
2023$7,395.00 (+15.46%)$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 ZoneZone VE
coastal, wave action
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 326 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,352 units insured
1,026 under condo master policies
Nearby Flood Claims85 (1983–2020)
Claims Outside the SFHA68 of 85
Most Recent ClaimSep 2020, Hurricane Sally
Claims By Storm
  • Hurricane Sally, Sep 2020 · 5 claims
  • Hurricane Michael, Oct 2018 · 7 claims
  • Hurricane Opal, Oct 1995 · 56 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 372 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 2,000
WOW Internet, Cable & PhoneCable1,200 / 50
VerizonFixed Wireless1,000 / 75
AT&TFixed Wireless100 / 20

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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