76 Gulf Loop, Panama City, FL 32408 Property Records

Bay County property record for 76 Gulf Loop, Panama City, FL 32408

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,092 sqft · built 1998
Lot Size	0.019 acres (827 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (May 2026)
Tax Bill	$6,387 (2025)
Deeds & Mortgages	May 2026 Sale Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`31439-083-000`

Property Details

APN / Parcel Number

Primary APN	`31439-083-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	827 sqft (0.019 acres)
Driveway	Driveway
Driveway Area	168 sqft
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	76 GULF LOOP
City	PANAMA CITY
State	FL
Zip	32408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	BC16
Legal Description	VENTURE OUT TRAVEL TRAIL LOT 83 BLK 1 ORB 296 P 27 ORB 4621 P 237
Legal Range	15W
Legal Township	04S
Legal Section	16
Legal Subdivision	VENTURE OUT TRAVEL TRAIL
Legal Block	1
Legal Lot Number	83
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1037
Census Tract	2607

Owner

Source: Bay County records, as of May 26, 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 Record
Mailing Address	1005 CORDELE RD, SYLVESTER, GA 31791-1307
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Warranty Deed, Transfer SETCO SERVICES LLC
Oct 14, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Oct 14, 2022 · Amount on Record
Deed Document Number	202626605
Deed Book / Page	5030 / 1929
Prior Transfer Date	May 17, 2012
Prior Transfer Doc	0034110083
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 4, 2026
Property Address	76 GULF LOOP, PANAMA CITY, FL 32408
Document Number	0050301929
Book / Page	5030 / 1929
Instrument Date	May 1, 2026
Instrument	2026.26605
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$325,220.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 CORDELE RD, SYLVESTER, GA 31791-1307

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 14, 2022
Property Address	76 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0046210237
Book / Page	4621 / 237
Map Reference	MB 1865 PG 439
Instrument Date	Oct 12, 2022
Instrument	2022075671
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,507.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1011 ROBBINS CT, WHEATON, IL 60187-3307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 KELL RD, SIGNAL MOUNTAIN, TN 37377-1021

Mortgage

Document Number	0004621239
Date	Oct 14, 2022
Instrument	4621/239

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 1, 2017
Property Address	76 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0038701610
Book / Page	003870 / 001610
Instrument Date	Feb 1, 2017
Instrument	5819
Transaction Type	Transfer
Record Updated	May 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4341 THOMAS DR PANAMA CITY BEACH FL 324087320, PANAMA CITY BEACH, FL 32408-7320

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,387.00 (+4.26%)	$505,861 (+21%)	$537,459 (+28.56%) Land $218,075 Building $319,384
2024	$6,126.00 (+16.33%)
2023	$5,266.00 (+340.3%)	$418,067 (+149.99%) Land $205,726 Building $212,341	$418,067 (+71.63%) Land $205,726 Building $212,341
2022	$1,196.00 Homeowner's exemption Widower's exemption Additional exemption filed	$167,235	$243,587 Land $170,000 Building $73,587

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 311 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,268 units insured incl. 957 condo units
Nearby Flood Claims	254 (1978–2023)
Claims Outside the SFHA	161 of 254
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 46 claims Hurricane Frances, Sep 2004 · 8 claims Hurricane Opal, Oct 1995 · 130 claims

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 Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Apr 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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