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7409 Morningside Dr, Panama City, FL 32404 Property Records

Bay County property record for 7409 Morningside Dr, Panama City, FL 32404

Property Summary

Property TypeVacant Land
Lot Size0.164 acres (7,144 sqft)
OwnerIndividual Name on Record
Last Sale$334,900 (Aug 2025)
Tax Bill$831 (2025)
Deeds & MortgagesAug 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN05469-011-025

Property Details

APN / Parcel Number

Primary APN05469-011-025

Exterior

Lot Area7,144 sqft (0.164 acres)
Lot Dimensions130 ft deep x 55 ft wide

Location & Zoning

Street Address7409 MORNINGSIDE DR
CityPANAMA CITY
StateFL
Zip32404-6004
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionMORNINGSIDE PLAT LOT 25 ORB 4943 P 1043
Legal Range13W
Legal Township02S
Legal Section26
Legal SubdivisionMORNINGSIDE
Legal Lot Number25
JurisdictionBAY FL
Township / Civil DivisionLYNN HAVEN
Census Block Group3
Census Block3018
Census Tract402

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address7409 MORNINGSIDE DR, PANAMA CITY, FL 32404-6004
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 18, 2025 · Amount on Record
Deed SaleAug 18, 2025 · Amount on Record
Deed Document Number2025046913
Deed Book / Page4943 / 1043
Record UpdatedJun 8, 2026

August 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateAug 18, 2025
Property Address7409 MORNINGSIDE DR, PANAMA CITY, FL 32404-6004
Document Number0049431043
Book / Page4943 / 1043
Map ReferenceMB 23 PG 96-101
Instrument DateAug 15, 2025
Instrument2025046913
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 30, 2025
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,344.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14251 PANAMA CITY BEACH PKWY, PANAMA CITY BEACH, FL 32413-2820

Transferred To (Grantee/Buyer)

NameVerified Name
Address7409 MORNINGSIDE DR, PANAMA CITY, FL 32404-6004

Mortgage

Document Number0049431044
DateAug 18, 2025
Instrument4943/1044
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2055

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$831.00 (+21.31%)$65,502 (+56.19%) Land $65,502$65,502 (+56.19%) Land $65,502
2024$685.00 (-17.47%)$41,938 (+5.84%) Land $41,938$41,938 (+5.84%) Land $41,938
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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 40 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 63% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon, Xfinity.

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