Bay County property record for 7903 Front Beach Rd, Panama City Beach, FL 32407
| Property Type | Restaurant |
|---|---|
| Details | 6 bd · 4 ba · 4,040 sqft · built 1989 |
| Lot Size | 0.889 acres (38,725 sqft) |
| Owner | Company Name on File |
| Last Sale | $350,000 (May 2016) |
| Tax Bill | $3,311 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27873-007-000 |
| Primary APN | 27873-007-000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 4,040 sqft Total Area |
| 1st Floor Area | 3,100 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 38,725 sqft (0.889 acres) |
| Lot Dimensions | 410 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 40 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 7903 FRONT BEACH RD |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32407 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | BC05 |
| Legal Description | 32 3S 15W -19.7- 57D BEG 50 S & 500 E OF INTER OF W LI GOVT LOT 4 & SLY R/W HWY |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 32 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 2609 |
7903 Front Beach Rd, a commercial property, is owned by a company that bought it in May 2016.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 11714 CABANA CT, PANAMA CITY BEACH, FL 32407-4527 |
| Owner Type | Company |
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 | May 4, 2016 · Amount on File |
| Deed Sale | May 4, 2016 · Amount on File |
| Prior Sale | Jun 12, 2000 · Amount on File |
| Deed Document Number | 2016023218 |
| Deed Book / Page | 3792 / 1861 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 7903 Front Beach Rd was $3,311.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,311.00 | $269,377 Land $186,690 Building $82,687 | $269,377 Land $186,690 Building $82,687 |
| 2023 | $3,649.00 (+9.42%) | $275,933 (+1.78%) Land $186,690 Building $89,243 | $275,933 (+1.78%) Land $186,690 Building $89,243 |
| 2022 | $3,335.00 | $271,112 Land $186,690 Building $84,422 | $271,112 Land $186,690 Building $84,422 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7903 Front Beach Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 120 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 419 units insured incl. 299 condo units |
| Nearby Flood Claims | 16 (2013–2024) |
| Claims Outside the SFHA | 9 of 16 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 7903 Front Beach 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 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect 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 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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