Bay County property record for 8401 Lorento St, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 720 sqft · built 2009 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Aug 2004) |
| Tax Bill | $1,457 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 30201-035-000 |
| Primary APN | 30201-035-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 720 sqft Heated Area |
| Gross Area | 1,008 sqft |
| 1st Floor Area | 720 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Flat |
| Roof Material | Rolled Roofing |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Dimensions | 135 ft deep x 65 ft wide |
| Driveway | Driveway |
| Driveway Area | 1,290 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 152 sqft |
| Deck Area | 288 sqft |
| Fence | Fence |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air |
| Street Address | 8401 LORENTO ST |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-7719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | 6 4S 15W -11.8- 58B1 BEG 25' W & 30' S OF NE COR OF SEC TH W 65' S 135' E 65' N |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | WHISPERING PINES |
| Legal Block | A |
| Legal Lot Number | 1 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 2604 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 6905 THOMAS DR UNIT 409, 409, PANAMA CITY BEACH, FL 32408-6166 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2004 · Amount on Record |
| Deed Sale | Aug 31, 2004 · Amount on Record |
| Deed Document Number | 2004-068525 |
| Deed Book / Page | 2496 / 1888 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,457.00 (+18.84%) | $137,797 (+29.29%) Land $91,422 Building $46,375 | $137,797 (+29.29%) Land $91,422 Building $46,375 |
| 2023 | $1,226.00 (+34.28%) | $106,577 (+41.15%) Land $61,789 Building $44,788 | $106,577 (+41.15%) Land $61,789 Building $44,788 |
| 2022 | $913.00 | $75,507 Land $36,947 Building $38,560 | $75,507 Land $36,947 Building $38,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 10 (1984–2020) |
| Claims Outside the SFHA | 10 of 10 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 455 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures