Bay County property record for 7212 Grassy Point Rd, Panama City, FL 32409
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,473 sqft · built 1988 |
| Lot Size | 4.89 acres (213,356 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,328 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 08005-000-000 |
| Primary APN | 08005-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,473 sqft Living Area |
| Gross Area | 2,873 sqft |
| 1st Floor Area | 2,473 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 213,356 sqft (4.89 acres) |
| Lot Dimensions | 508 ft deep x 420 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 612 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 327 sqft |
| Deck Area | Deck Area |
| Lawn Sprinklers | Lawn Sprinklers |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7212 GRASSY POINT RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32409-1438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | 27 2S 14W -84- 101A3 THAT PART OF THE FOLLOWING LYING E OF FANNING BAYOU BEG AT NE COR OF SW1/4 OF SW1/4 TH S 330 W 829 N 110 YDS TH E TO POB (S LI BEING 454.83) ORB 4817 P 2115 |
| Legal Range | 14W |
| Legal Township | 02S |
| Legal Section | 27 |
| Legal Subdivision | FANNING BAYOU |
| Jurisdiction | BAY FL |
| Township / Civil Division | SOUTHPORT |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 203 |
7212 Grassy Point Rd is owned and occupied by two individuals who acquired it in June 2024.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7212 GRASSY POINT RD, PANAMA CITY, FL 32409-1438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 16, 2018 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Sep 19, 2018 | Deed of Trust, Mortgage · Conventional with PMI MISCELLANEOUS INS CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 25, 2024 |
| Transfer Doc | 0048172115 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 7212 GRASSY POINT RD, SOUTHPORT, FL 32409-1438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICE LINK |
| Name | Verified Name |
|---|
| Document Number | 0039981276 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 3998/1276 |
| Instrument | 2018021898 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 7212 GRASSY POINT RD, SOUTHPORT, FL 32409-1438 |
| Document Number | 0040490579 |
| Instrument Date | Sep 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 2424 FRANKFORD AVE PANAMA CITY FL 324052239, PANAMA CITY, FL 32405-2239 |
| Document Number | 0040490579 |
|---|---|
| Date | Sep 19, 2018 |
| Book Page | 004049/000579 |
| Instrument | 56497 |
| Name | MISCELLANEOUS INS CO |
|---|---|
| Address | HUDSONVILLE, MI 49426 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 7212 Grassy Point Rd was $6,328, up 2.6% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,328.00 (+2.59%) Homeowner's exemption | $551,083 | $620,230 Land $440,294 Building $179,936 |
| 2024 | $6,168.00 (+3.8%) | ||
| 2023 | $5,942.00 (+11.67%) Homeowner's exemption | $510,408 (+3%) | $576,164 (+13.2%) Land $414,540 Building $161,624 |
| 2022 | $5,321.00 Homeowner's exemption | $495,542 | $508,978 Land $361,620 Building $147,358 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7212 Grassy Point Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 326 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 389 units insured incl. 63 condo units |
| Nearby Flood Claims | 20 (1995–2021) |
| Claims Outside the SFHA | 2 of 20 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| Claims by Event |
|
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.
Wildfire risk around 7212 Grassy Point Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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