8317 Surf Dr, Panama City Beach, FL 32408 Property Records

Bay County property record for 8317 Surf Dr, Panama City Beach, FL 32408

Property Summary

Property Type	Single Family Home
Details	7 bd · 7.5 ba · 4,197 sqft · built 2020
Lot Size	0.113 acres (4,922 sqft)
Owner	Company Name on File
Last Sale	$3,100,000 (Apr 2021)
Tax Bill	$28,367 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2021 Sale
Flood Zone	Zone VE (high risk)
APN	`30429-001-000`

Property Details

APN / Parcel Number

Primary APN	`30429-001-000`

Interior

Bedrooms	7 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	4,197 sqft Living Area
1st Floor Area	1,398 sqft
Flooring	Tile

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,922 sqft (0.113 acres)
Lot Dimensions	150 ft deep x 33 ft wide
Porch	Unfinished Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8317 SURF DR
City	PANAMA CITY BEACH
State	FL
Zip	32408-4712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC23
Legal Description	BEL AIR COM AT THE NE COR OF LOT 22 BLK 18 OF BEL AIR TH RUN NWLY 45 SW 40 NWLY 39.39 NE 1.53 NWLY 36.25 NE 1.43 NWLY 33 FOR POB TH RUN SWLY 45.57 NW 3.25 SW 24.17 NWLY 29.76 NELY 70.49 SELY 29.75 SWLY 1.43 SELY 3.25 TO POB (AKA UNIT 1) ORB 4389 P
Legal Range	15W
Legal Township	04S
Legal Section	06
Legal Subdivision	BEL AIR
Legal Block	18
Legal Lot Number	22
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1005
Census Tract	2605

Owner

8317 Surf Dr is owned by a company that bought it in April 2021.

Source: Bay County records, as of April 21, 2026

Owner of Record	Company Name on File
Mailing Address	4937 BAL HARBOR DR, CHATTANOOGA, TN 37416-1714
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA
Apr 9, 2021	Warranty Deed, Transfer RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2021 · Amount on File
Deed Sale	Apr 9, 2021 · Amount on File
Deed Document Number	202126384
Deed Book / Page	4389 / 388
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	8317 SURF DR, PANAMA CITY BEACH, FL 32408-4712
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4937 BAL HARBOR DR, CHATTANOOGA, TN 37416-1714

Mortgage

Document Number	0044370916
Date	Jul 22, 2021
Book Page	4437/916
Instrument	2021056127

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Aug 1, 2036
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	7.75%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 9, 2021
Property Address	8317 SURF DR, PANAMA CITY BEACH, FL 32408-4712
Document Number	0043890388
Book / Page	4389 / 388
Map Reference	MB 8 PG 28
Instrument Date	Apr 9, 2021
Instrument	2021026384
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount on Record
Tax	$21,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2515 BETHANY CHURCH RD, MILTON, GA 30004-4557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4937 BAL HARBOR DR, CHATTANOOGA, TN 37416-1714

Tax Assessment & Valuation

The 2025 property tax bill for 8317 Surf Dr was $28,367, down 21.6% from the year before.

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	$28,367.00 (-21.58%)	$2,307,414 Land $990,000 Building $1,317,414	$2,307,414 Land $990,000 Building $1,317,414
2024	$36,171.00 (+2.85%)
2023	$35,167.00 (+20.93%)	$2,870,766 (+14.34%) Land $907,500 Building $1,963,266	$2,870,766 (+14.34%) Land $907,500 Building $1,963,266
2022	$29,080.00	$2,510,793 Land $643,500 Building $1,867,293	$2,510,793 Land $643,500 Building $1,867,293

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

Flood

FEMA maps place 8317 Surf Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 326 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,352 units insured incl. 1,026 condo units
Nearby Flood Claims	85 (1983–2020)
Claims Outside the SFHA	68 of 85
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 7 claims Hurricane Opal, Oct 1995 · 56 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

The area around 8317 Surf Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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 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 476 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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