Bay County property record for 78 Gulf Loop, Panama City, FL 32408
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 552 sqft · built 1975 |
| Lot Size | 0.019 acres (827 sqft) |
| Owner | Company Name on Record |
| Last Sale | $100 (Mar 2017) |
| Tax Bill | $3,286 (2025) |
| Deeds & Mortgages | Mar 2017 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 31439-081-000 |
| Primary APN | 31439-081-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 552 sqft Living Area |
| 1st Floor Area | 552 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Other |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 827 sqft (0.019 acres) |
| Driveway | Driveway |
| Driveway Area | 160 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 78 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 81 BLK 1 ORB 3880 P 2328 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 16 |
| Legal Subdivision | VENTURE OUT TRAVEL TRAIL |
| Legal Block | 1 |
| Legal Lot Number | 81 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 2607 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 270 MCLAREN GATES DR, MARIETTA, GA 30060-6900 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2017 · Amount on Record |
| Deed Sale | Mar 1, 2017 · Amount on Record |
| Deed Book / Page | 3880 / 2328 |
| Last Transfer Date | Mar 6, 2017 |
| Transfer Doc | 0038802328 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 10, 2017 |
| Property Address | 78 E GULF BLVD, PANAMA CITY BEACH, FL 32408 |
| Document Number | 0038802328 |
| Book / Page | 003880 / 002328 |
| Instrument Date | Mar 6, 2017 |
| Instrument | 13308 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 270 MCLAREN DR MARIETTA GA 30060, MARIETTA, GA 30060 |
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 | $3,286.00 (+3.72%) | $242,091 (-6.94%) | $300,286 (+15.42%) Land $218,075 Building $82,211 |
| 2024 | $3,168.00 (+10.38%) | ||
| 2023 | $2,870.00 (+25.33%) | $260,158 (+24.8%) Land $205,726 Building $54,432 | $260,158 (+24.8%) Land $205,726 Building $54,432 |
| 2022 | $2,290.00 | $208,461 Land $170,000 Building $38,461 | $208,461 Land $170,000 Building $38,461 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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