Bay County property record for 7205 Thomas Dr, Unit E905, 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 | $469,000 (Jan 2026) |
| Tax Bill | $4,526 (2025) |
| Deeds & Mortgages | Jan 2026 Sale Nov 2021 Sale + 3 more |
| Flood Zone | Zone VE (high risk) |
| APN | 30840-797-000 |
| Primary APN | 30840-797-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Heated Area |
| Year Built | Built 1985 |
|---|---|
| View / Lot | Water |
| Street Address | 7205 THOMAS DR UNIT E905, E905 |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-8507 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | DUNES OF PANAMA PHASE V UNIT E-905 ORB 1015 P 1886 |
| 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 30840-797-000
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 |
|---|---|
| Mailing Address | 6225 HIGHWAY 2311, PANAMA CITY, FL 32404-4275 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 09, 2026 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGENCY INC |
| Nov 23, 2021 | Correction Deed |
| Sep 21, 2021 | Warranty Deed, Transfer |
| Jun 04, 2018 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC |
| Jun 04, 2018 | Warranty Deed, Transfer · Commercial Mortgage VOLUNTEER STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 09, 2026 · Amount on Record |
| Deed Sale | Jan 09, 2026 · Amount on Record |
| Prior Sale | Sep 21, 2021 · Amount on Record |
| Deed Document Number | 2026001605 |
| Deed Book / Page | 4991 / 680 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 09, 2026 |
| Property Address | 7205 THOMAS DR UNIT E905, E905, PANAMA CITY BEACH, FL 32408-8507 |
| Document Number | 0049910680 |
| Book / Page | 4991 / 680 |
| Map Reference | MB 1015 PG 1886 |
| Instrument Date | Jan 07, 2026 |
| Instrument | 2026001605 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,283.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2016 ROLLING CREEK DR, MURFREESBORO, TN 37128-4918 |
| Name | Verified Name |
|---|---|
| Address | 6225 HIGHWAY 2311, PANAMA CITY, FL 32404-4275 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 23, 2021 |
| Property Address | 7205 THOMAS DR UNIT E905, E905, PANAMA CITY BEACH, FL 32408-8507 |
| Document Number | 0044900270 |
| Book / Page | 4490 / 270 |
| Map Reference | MB 1902 PG 1977 |
| Instrument Date | Nov 09, 2021 |
| Instrument | 2021089498 |
| Record Updated | Jan 15, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 2016 ROLLING CREEK DR, MURFREESBORO, TN 37128-4918 |
| Name | Verified Name |
|---|---|
| Address | 225 GREENFIELD CIR, FAYETTEVILLE, GA 30215-2621 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 21, 2021 |
| Property Address | 7205 THOMAS DR UNIT E905, E905, PANAMA CITY BEACH, FL 32408-8507 |
| Document Number | 0044621846 |
| Book / Page | 4462 / 1846 |
| Map Reference | MB 1902 PG 1977 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 2021071942 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $105.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2016 ROLLING CREEK DR, MURFREESBORO, TN 37128-4918 |
| Name | Verified Name |
|---|---|
| Address | 225 GREENFIELD CIR, FAYETTEVILLE, GA 30215-2621 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 04, 2018 |
| Property Address | 7205 THOMAS DR UNIT E905, E905, PANAMA CITY BEACH, FL 32408-8507 |
| Document Number | 0040140125 |
| Book / Page | 004014 / 000125 |
| Instrument Date | May 31, 2018 |
| Instrument | 32450 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2018 |
| Title Company | MTI TITLE INSURANCE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $105.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2016 ROLLING CREEK DR MURFREESBORO TN 371284918, MURFREESBORO, TN 37128-4918 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 04, 2018 |
| Property Address | 7205 THOMAS DR UNIT E905, E905, PANAMA CITY BEACH, FL 32408-8507 |
| Document Number | 0040140483 |
| Book / Page | 4014 / 0483 |
| Map Reference | MB1015 PG 1886 |
| Instrument Date | May 31, 2018 |
| Instrument | 2018032563 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | MTI TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 226 E BROAD ST, 226, EUFAULA, AL 36027-1608 |
| Name | Verified Name |
|---|---|
| Address | 2016 ROLLING CREEK DR, MURFREESBORO, TN 37128-4918 |
| Document Number | 2018032564 |
|---|---|
| Date | Jun 04, 2018 |
| Instrument | 2018032564 |
| Name | VOLUNTEER STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | May 30, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 (-4.31%) | $368,155 (-17.5%) Building $368,155 | $368,155 (-17.5%) Building $368,155 |
| 2023 | $4,730.00 (+30.48%) | $446,250 (+34.65%) Building $446,250 | $446,250 (+34.65%) Building $446,250 |
| 2022 | $3,625.00 | $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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