Bay County property record for 7303 Morningside Dr, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,471 sqft · built 2024 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $254,900 (Jan 2025) |
| Tax Bill | $3,266 (2025) |
| Deeds & Mortgages | Jan 2025 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 05469-011-100 |
| Primary APN | 05469-011-100 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,471 sqft Heated Area |
| Gross Area | 1,515 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,492 sqft (0.171 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 7303 MORNINGSIDE DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-6044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORNINGSIDE PLAT LOT 100 ORB 4876 P 1196 |
| Legal Range | 13W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | MORNINGSIDE |
| Legal Lot Number | 100 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 402 |
7303 Morningside Dr is owned and occupied by an individual who bought it in January 2025.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7303 MORNINGSIDE DR, PANAMA CITY, FL 32404-6044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2025 · Amount on File |
| Deed Sale | Jan 16, 2025 · Amount on File |
| Deed Document Number | 2025002519 |
| Deed Book / Page | 4876 / 1196 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 16, 2025 |
| Property Address | 7303 MORNINGSIDE DR, PANAMA CITY, FL 32404-6044 |
| Document Number | 0048761196 |
| Book / Page | 4876 / 1196 |
| Map Reference | MB 23 PG 96-101 |
| Instrument Date | Jan 15, 2025 |
| Instrument | 2025002519 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,784.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14251 PANAMA CITY BEACH PKWY, PANAMA CITY BEACH, FL 32413-2820 |
| Name | Verified Name |
|---|---|
| Address | 7303 MORNINGSIDE DR, PANAMA CITY, FL 32404-6044 |
| Document Number | 2025002520 |
|---|---|
| Date | Jan 16, 2025 |
| Instrument | 2025002520 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2055 |
The 2025 property tax bill for 7303 Morningside Dr was $3,266.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,266.00 | $220,657 Land $65,502 Building $155,155 | $220,657 Land $65,502 Building $155,155 |
| 2023 | $830.00 (+3.75%) | $39,624 (-) Land $39,624 | $39,624 (-) Land $39,624 |
| 2022 | $800.00 | $39,624 Land $39,624 | $39,624 Land $39,624 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 7303 Morningside Dr in Zone A, 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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
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 7303 Morningside Dr is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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