7922 Oakview Dr, Panama City, FL 32404 Property Records

Bay County property record for 7922 Oakview Dr, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,495 sqft · built 1987
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Nov 2021)
Tax Bill	$1,732 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2017 Second Mortgage
Flood Zone	Zone A (high risk)
APN	`05432-147-000`

Property Details

APN / Parcel Number

Primary APN	`05432-147-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,495 sqft Living Area
Gross Area	3,093 sqft
1st Floor Area	2,495 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	40,946 sqft (0.94 acres)
Lot Dimensions	188 ft deep x 218 ft wide
Garage Type	Attached
Garage Area	598 sqft
Driveway	Driveway
Driveway Area	864 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	401 sqft
Deck Area	624 sqft
Patio Area	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7922 OAKVIEW DR
City	PANAMA CITY
State	FL
Zip	32404-5275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	SPIKES ADDITION TO HIGHPOINT LOT 14 BLK B ORB 4485 P 2009
Legal Range	13W
Legal Township	02S
Legal Section	19
Legal Subdivision	SPIKES ADDITION
Legal Block	B
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	1
Census Block	1022
Census Tract	402

Owner

Source: Bay County records, as of October 12, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	7922 OAKVIEW DR, PANAMA CITY, FL 32404-5275
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Intrafamily Transfer, Transfer · VA Mortgage TYNDALL FCU
May 19, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2021 · Amount on Record
Deed Sale	Nov 12, 2021 · Amount on Record
Deed Document Number	202186728
Deed Book / Page	4485 / 2009
Prior Transfer Date	Nov 5, 2021
Prior Transfer Doc	0044852009
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Nov 12, 2021
Property Address	7922 OAKVIEW DR, PANAMA CITY, FL 32404-5275
Document Number	0044852009
Book / Page	4485 / 2009
Map Reference	MB 14 PG 109
Instrument Date	Nov 5, 2021
Instrument	2021086728
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	NOT AVAILABLE, DEFENDER TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7922 OAKVIEW DR, PANAMA CITY, FL 32404-5275
Investor	Possibly a Property Investor

Mortgage

Document Number	44852011
Date	Nov 12, 2021
Instrument	4485/2011

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	7922 OAKVIEW DR, PANAMA CITY, FL 32404-5275
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039021074
Date	May 19, 2017
Book Page	3902/1074
Instrument	2017028823

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32404

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

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	$1,732.00 (+1.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$184,676 (+5.99%)	$257,272 (+18.23%) Land $73,710 Building $183,562
2024	$1,709.00 (-1.33%)
2023	$1,732.00 (+16.09%) Homeowner's exemption	$174,244 (+6.3%)	$217,596 (+10.42%) Land $62,746 Building $154,850
2022	$1,492.00 Homeowner's exemption	$163,910	$197,063 Land $60,181 Building $136,882

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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 Record median of 137 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	137 in force
Nearby Flood Claims	10 (2013–2018)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 8 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 46% of the US · lower than 83% 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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 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	None 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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