82 Gulf Loop, Panama City, FL 32408 Property Records

Bay County property record for 82 Gulf Loop, Panama City, FL 32408

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,132 sqft · built 1979
Lot Size	0.019 acres (827 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Nov 2025)
Tax Bill	$3,122 (2025)
Deeds & Mortgages	Nov 2025 Sale Mar 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`31439-077-000`

Property Details

APN / Parcel Number

Primary APN	`31439-077-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,132 sqft Living Area
1st Floor Area	916 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	827 sqft (0.019 acres)
Driveway	Driveway
Driveway Area	192 sqft
Porch	Florida Room
Porch Area	516 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	82 GULF LOOP
City	PANAMA CITY
State	FL
Zip	32408
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC16
Legal Description	VENTURE OUT TRAVEL TRAIL LOT 77 BLK 1 ORB 296 P 27 ORB 4534 P 2045
Legal Range	15W
Legal Township	04S
Legal Section	16
Legal Subdivision	VENTURE OUT TRAVEL TRAIL
Legal Block	1
Legal Lot Number	77
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 January 5, 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	1580 PATRICIA CT SE, SMYRNA, GA 30082-3965
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 10, 2022	Warranty Deed, Transfer SETCO SERVICES LLC
Jan 20, 2017	Warranty Deed, Transfer · Line of Credit PEOPLESSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Mar 10, 2022 · Amount on Record
Deed Document Number	202567067
Deed Book / Page	4974 / 1618
Prior Transfer Date	Feb 24, 2025
Prior Transfer Doc	0048891525
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 18, 2025
Property Address	82 GULF LOOP, PANAMA CITY BEACH, FL 32408
Document Number	0049741618
Book / Page	4974 / 1618
Map Reference	MB 1342 PG 1385
Instrument Date	Nov 17, 2025
Instrument	2025067067
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4341 THOMAS DR # DRA5, DRA5, PANAMA CITY BEACH, FL 32408-7320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1580 PATRICIA CT SE, SMYRNA, GA 30082-3965

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 10, 2022
Property Address	82 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0045342045
Book / Page	4534 / 2045
Map Reference	MB 1544 PG 774
Instrument Date	Mar 7, 2022
Instrument	2022017698
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$2,394.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2338 PELICAN BAY CT, PANAMA CITY, FL 32408-7010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14447 MANCHESTER PIKE, CHRISTIANA, TN 37037-5815

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 20, 2017
Property Address	82 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0038670624
Book / Page	3867 / 0624
Instrument Date	Jan 18, 2017
Instrument	2017003442
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INSURANCE AGENCY I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 DIANA DR, 24, SAVANNAH, GA 31406-7510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 GARDEN WALK, BREMEN, GA 30110-2451

Mortgage

Document Number	2017003443
Date	Jan 20, 2017
Instrument	2017003443

Lender

Name	PEOPLESSOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 2, 2022

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	$3,122.00 (+0.45%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$326,847 (+1.63%) Land $218,075 Building $108,772	$326,847 (+1.63%) Land $218,075 Building $108,772
2024	$3,108.00 (-10.43%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$321,606 (+17.21%) Land $216,750 Building $104,856	$321,606 (+17.21%) Land $216,750 Building $104,856
2023	$3,470.00 (+42.62%)	$274,393 (+25.73%) Land $205,726 Building $68,667	$274,393 (+25.73%) Land $205,726 Building $68,667
2022	$2,433.00	$218,237 Land $170,000 Building $48,237	$218,237 Land $170,000 Building $48,237

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 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	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.

Nearby Properties on Gulf Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures