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8317 Front Beach Rd, #7, Panama City Beach, FL 32407 Property Records

Bay County property record for 8317 Front Beach Rd, #7, Panama City Beach, FL 32407

Property Summary

Property TypeRegional Shopping Center, Mall
Details708 sqft · built 1987
Lot Size0.02 acres (857 sqft)
OwnerIndividual Name on File
Last Sale$200,000 (Sep 2026)
Tax Bill$834 (2025)
Deeds & MortgagesSep 2026 Sale & Construction Loan
Flood ZoneZone X (minimal risk)
APN27626-107-000

Property Details

APN / Parcel Number

Primary APN27626-107-000

Interior

Total Rooms2 Rooms
Units81 Units
Stories1 Story
Building Area708 sqft Gross Area
1st Floor Area708 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Fire ResistanceWood or Wood & Steel Frame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area857 sqft (0.02 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address8317 FRONT BEACH RD, 7
CityPANAMA CITY BEACH
StateFL
Zip32407-4867
Property CategoryCommercial
Property TypeCommercial > Retail > Regional Shopping Center, Mall
Local Zoning CodeBC05
Legal DescriptionPROMENADE SHOPPING MALL LOT 7 ORB 3850 P 194
Legal Range15W
Legal Township03S
Legal Section31
Legal SubdivisionPROMENADE SHOPPING MALL
Legal Lot Number7
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group3
Census Block3012
Census Tract2609

Owner

8317 Front Beach Rd, #7 is owned by an individual who bought it in September 2026.

Source: Bay County records, as of September 29, 2026

Owner of RecordIndividual Name on File
Mailing Address3216 MAGNOLIA ISLANDS BLVD, PANAMA CITY, FL 32408-7166
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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 2, 2026 · Amount on File
Deed SaleSep 2, 2026 · Amount on File
Prior SaleNov 15, 2016 · Amount on File
Deed Document Number202654767
Deed Book / Page5075 / 475
Prior Transfer DateNov 1, 2016
Prior Transfer Doc0038500194
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 2, 2026
Property Address8317 FRONT BEACH RD, 7, PANAMA CITY BEACH, FL 32407-4867
Document Number0000054767
Book / Page5075 / 475
Instrument DateAug 31, 2026
Instrument202654767
Transaction TypeConstruction Loan
Record UpdatedSep 24, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$141,400.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3216 MAGNOLIA ISLANDS BLVD, PANAMA CITY BEACH, FL 32408-7166

Mortgage

Document Number0000054769,
DateSep 2, 2026
Instrument202654769
Lender
Special NotesSeller Financed
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Interest
Rate TypeBalloon
Initial TypeBalloon
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 8317 Front Beach Rd, #7 was $834, up 3.5% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$834.00 (+3.47%)$44,334$61,182 Land $1 Building $61,181
2024$806.00 (+16.31%)
2023$693.00 (-24.1%)$43,023 (-53.68%) Land $1 Building $43,022$43,023 (-53.68%) Land $1 Building $43,022
2022$913.00$92,879 Land $1 Building $92,878$92,879 Land $1 Building $92,878

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 8317 Front Beach Rd, #7 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 120 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies419 units insured
incl. 299 condo units
Nearby Flood Claims16 (2013–2024)
Claims Outside the SFHA9 of 16
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 4 claims
  • Hurricane Sally, Sep 2020 · 3 claims
  • Severe Storms And Flooding, Jul 2013 · 6 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 8317 Front Beach Rd, #7 is moderate, ranking above 42% of the US, with a 0.04% annual chance of wildfire.

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

Wildfire RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 142 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
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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