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802 Cape Cod Dr, Panama City Beach, FL 32407 Property Records

Bay County property record for 802 Cape Cod Dr, Panama City Beach, FL 32407

Property Summary

Property TypeCondominium
Details4 bd · 3 ba · 1,400 sqft · built 2006
Owner2 Individual Names on File
Last Sale$151,000 (Sep 2017)
Tax Bill$2,448 (2025)
Deeds & MortgagesOct 2020 Mortgage
Sep 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN40000-100-091

Property Details

APN / Parcel Number

Primary APN40000-100-091

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Building Area1,400 sqft Heated Area

Exterior

Year BuiltBuilt 2006

Location & Zoning

Street Address802 CAPE COD DR
CityPANAMA CITY BEACH
StateFL
Zip32407-2867
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionNAUTILUS COVE CONDO PHASE 7 UNIT 802 ORB 2832 P 523
Legal Range16W
Legal Township03S
Legal Section21
Legal SubdivisionNAUTILUS COVE PH 07
Legal Phase7
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1031
Census Tract2703

Owner

802 Cape Cod Dr, a condominium, is owned by two individuals who bought it in September 2017.

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

Owner of Record2 Individual Names on File
Mailing Address175 PAMELA DR, BOLINGBROOK, IL 60440-1383
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2020Deed of Trust, Mortgage · Conventional Mortgage
CELEBRITY HOME LOANS LLC
Sep 5, 2017Warranty Deed, Transfer · Conventional Mortgage
HOME LN ALLIANCE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 5, 2017 · Amount on File
Deed SaleSep 5, 2017 · Amount on File
Prior SaleMay 2, 2007 · Amount on File
Deed Document Number2017050525
Deed Book / Page3933 / 2243
Record UpdatedJun 8, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address802 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2867
Transaction TypeMortgage
Record UpdatedJul 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address175 PAMELA DR, BOLINGBROOK, IL 60440-1383

Mortgage

Document Number0043101386
DateOct 15, 2020
Book Page4310/1386
Instrument2020068295
Lender
NameCELEBRITY HOME LOANS LLC
TypeNon-Lending Institution
AddressVILLA PARK, IL 60181
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2050

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 5, 2017
Property Address802 CAPE COD DR, PANAMA CITY BEACH, FL 32407-2867
Document Number0039332243
Book / Page003933 / 002243
Instrument DateAug 31, 2017
Instrument50525
Transaction TypeTransfer
Record UpdatedMay 20, 2019
Title CompanyOTHER

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,057.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address175 PAMELA DR BOLINGBROOK IL 604401383, BOLINGBROOK, IL 60440-1383

Mortgage

Document Number39332245
DateSep 5, 2017
Book Page003933/002245
Instrument50526
Lender
NameHOME LN ALLIANCE
TypeFunding / Finance Company
AddressTAMPA, FL 33602
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 4, 2047
Interest
Rate TypeAdjustable Rate
Rate4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 802 Cape Cod Dr was $2,448.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,448.00$248,200 Building $248,200$248,200 Building $248,200
2023$2,625.00 (+35.03%)$242,250 (+46.15%) Building $242,250$242,250 (+46.15%) Building $242,250
2022$1,944.00$165,750 Building $165,750$165,750 Building $165,750

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

Flood

FEMA maps place 802 Cape Cod Dr in Zone X, an area of minimal flood risk, though there have been 65 flood claims nearby since 1978.

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 175 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies175 in force
Nearby Flood Claims65 (1978–2022)
Claims Outside the SFHA47 of 65
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Frances, Sep 2004 · 2 claims
  • Hurricane Georges, Sep 1998 · 6 claims
  • Hurricane Opal, Oct 1995 · 35 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

Wildfire risk around 802 Cape Cod Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach

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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 119 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

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