84 Gulf Loop, Panama City, FL 32408 Property Records

Bay County property record for 84 Gulf Loop, Panama City, FL 32408

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,320 sqft · built 1995
Lot Size	0.019 acres (827 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (May 2026)
Tax Bill	$7,229 (2025)
Deeds & Mortgages	May 2026 Sale Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`31439-075-000`

Property Details

APN / Parcel Number

Primary APN	`31439-075-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	827 sqft (0.019 acres)
Driveway	Driveway
Driveway Area	280 sqft
Porch	Unfinished Open Porch
Porch Area	90 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	84 GULF LOOP
City	PANAMA CITY
State	FL
Zip	32408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	BC16
Legal Description	VENTURE OUT TRAVEL TRAIL LOT 75 BLK1 ORB 4506 P 2092
Legal Range	15W
Legal Township	04S
Legal Section	16
Legal Subdivision	VENTURE OUT TRAVEL TRAIL
Legal Block	1
Legal Lot Number	75
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 June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	801 EASTVIEW DR, MADISON, AL 35758-7831
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SERVICES
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage RELIABLE HOLDINGS MANAGER LLC
Jan 3, 2022	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Jan 3, 2022 · Amount on Record
Deed Document Number	202632521
Deed Book / Page	5039 / 2143
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 29, 2026
Property Address	84 GULF LOOP, PANAMA CITY, FL 32408
Document Number	0000032521
Book / Page	5039 / 2143
Instrument Date	May 29, 2026
Instrument	202632521
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	SETCO SERVICES LLC, SETCO SERVICES

Transaction

Amount	Amount Recorded
Tax	$335,825.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 EASTVIEW DR, MADISON, AL 35758-7831

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	84 GULF LOOP, PANAMA CITY BEACH, FL 32408
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 KERCE RD, KINGSTON, GA 30145-1534
Investor	Possibly a Property Investor

Mortgage

Document Number	0050052027
Date	Feb 25, 2026
Book Page	5005/2027
Instrument	2026011385

Lender

Name	RELIABLE HOLDINGS MANAGER LLC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 3, 2022
Property Address	84 E GULF BLVD, PANAMA CITY BEACH, FL 32408
Document Number	0045062092
Book / Page	4506 / 2092
Map Reference	MB 1544 PG 774
Instrument Date	Dec 29, 2021
Instrument	2022000392
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 EASTVIEW DR, MADISON, AL 35758-7831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 KERCE RD, KINGSTON, GA 30145-1534
Investor	Possibly a Property Investor

Mortgage

Document Number	0045062094
Date	Jan 3, 2022
Instrument	4506/2094

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Dec 10, 2047

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	$7,229.00 (+4.89%)	$554,858 (+17%)	$623,860 (+31.55%) Land $218,075 Building $405,785
2024	$6,892.00 (+17.63%)
2023	$5,859.00 (+20.53%)	$474,223 (+13.76%) Land $205,726 Building $268,497	$474,223 (+13.76%) Land $205,726 Building $268,497
2022	$4,861.00	$416,873 Land $170,000 Building $246,873	$416,873 Land $170,000 Building $246,873

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.

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