8340 Front Beach Rd, Panama City Beach, FL 32407 Property Records

Bay County property record for 8340 Front Beach Rd, Panama City Beach, FL 32407

Property Summary

Property Type	Recreational Center
Details	13,288 sqft · built 1986
Lot Size	1.12 acres (48,787 sqft)
Owner	Company Name on File
Last Sale	$125,000 (Apr 1984)
Tax Bill	$9,536 (2025)
Deeds & Mortgages	May 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`27842-000-000`

Property Details

APN / Parcel Number

Primary APN	`27842-000-000`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	13,288 sqft Total Area
1st Floor Area	10,224 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	48,787 sqft (1.12 acres)
Lot Dimensions	200 ft deep x 244 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	8340 FRONT BEACH RD
City	PANAMA CITY BEACH
State	FL
Zip	32407-4825
Property Category	Public Works
Property Type	Public Works > Recreational Center
Local Zoning Code	BC04
Legal Description	G C HWY SUBDIV LOTS 1,2 BLK F MAP 57D
Legal Range	15W
Legal Township	03S
Legal Section	31
Legal Subdivision	GULF COAST HIGHWAY
Legal Block	F
Legal Lot Number	1,2 2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	3
Census Block	3027
Census Tract	2609

Owner

8340 Front Beach Rd, a public works property, is owned by a company that bought it in April 1984.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 11, PANAMA CITY, FL 32402-0011
Owner Type	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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 1984 · Amount on File
Deed Sale	Apr 1, 1984 · Amount on File
Deed Document Number	0009591679
Record Updated	Jun 8, 2026

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	8340 FRONT BEACH RD, PANAMA CITY BEACH, FL 32407-4825
Document Number	0041180522
Instrument Date	May 1, 2019
Transaction Type	Mortgage
Record Updated	May 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 11 PANAMA CITY FL 324020011, PANAMA CITY, FL 32402-0011

Mortgage

Document Number	0041180522
Date	May 1, 2019
Book Page	004118/000522
Instrument	42878

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	2 20TH ST N # 320, BIRMINGHAM, AL 35203-4002

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 8340 Front Beach Rd was $9,536.

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

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	$9,536.00	$840,570 Land $672,000 Building $168,570	$840,570 Land $672,000 Building $168,570
2023	$8,636.00 (+32.72%)	$770,697 (+41.32%) Land $582,400 Building $188,297	$770,697 (+41.32%) Land $582,400 Building $188,297
2022	$6,507.00	$545,367 Land $347,200 Building $198,167	$545,367 Land $347,200 Building $198,167

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

Flood

FEMA maps place 8340 Front Beach Rd 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 120 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	419 units insured incl. 299 condo units
Nearby Flood Claims	16 (2013–2024)
Claims Outside the SFHA	9 of 16
Most Recent Claim	Sep 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 8340 Front Beach Rd 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 Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 142 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	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20