Bay County property record for 8417 Lorento St, Panama City, FL 32408
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,220 sqft · built 1987 |
| Lot Size | 0.232 acres (10,105 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $212,000 (Oct 2023) |
| Tax Bill | $2,145 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30201-037-000 |
| Primary APN | 30201-037-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,220 sqft Living Area |
| 1st Floor Area | 1,220 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,105 sqft (0.232 acres) |
| Lot Dimensions | 135 ft deep x 75 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 56 sqft |
| Deck Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8417 LORENTO ST |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-7719 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | BC16 |
| Legal Description | 6 4S 15W -11.10- BEG 165 W & 30 S OF NE COR OF SEC TH W 75 S 135 E 75 N 135 TO POB AKA L-3 B-A WHISPERING PINES UNR ORB 4378 P 1518 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | WHISPERING PINES |
| Legal Block | A |
| Legal Lot Number | 3 |
| 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 August 4, 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 | 8417 LORENTO ST, PANAMA CITY, FL 32408-7719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2023 | Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Jul 1, 2021 | Warranty Deed, Transfer · Seller Carry-Back KRIS MCKENNEY |
| Dec 9, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2023 · Amount on Record |
| Deed Sale | Oct 10, 2023 · Amount on Record |
| Prior Sale | Jul 1, 2021 · Amount on Record |
| Deed Document Number | 202364106 |
| Deed Book / Page | 4738 / 1518 |
| Prior Transfer Date | Dec 9, 2011 |
| Prior Transfer Doc | 0000064336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 10, 2023 |
| Property Address | 8417 LORENTO ST, PANAMA CITY BEACH, FL 32408-7719 |
| Document Number | 0047381518 |
| Book / Page | 4738 / 1518 |
| Instrument Date | Oct 4, 2023 |
| Instrument | 2023064106 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2023 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,484.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 371 AMBER RDG, BLUE RIDGE, GA 30513 |
| Name | Verified Name |
|---|---|
| Address | 8417 LORENTO ST, PANAMA CITY, FL 32408-7719 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 1, 2021 |
| Property Address | 8417 LORENTO ST, PANAMA CITY BEACH, FL 32408-7719 |
| Document Number | 0044281548 |
| Book / Page | 4428 / 1548 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021050545 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $903.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 18108, PANAMA CITY BEACH, FL 32417-8108 |
| Name | Verified Name |
|---|---|
| Address | 8417 LORENTO ST, PANAMA CITY, FL 32408-7719 |
| Document Number | 44281550 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 4428/1550 |
| Name | KRIS MCKENNEY |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 9, 2020 |
| Property Address | 8417 LORENTO ST, PANAMA CITY BEACH, FL 32408-7719 |
| Document Number | 0043351515 |
| Book / Page | 004335 / 001515 |
| Instrument Date | Dec 9, 2020 |
| Instrument | 83478 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $245.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 18108 PANAMA CITY BEACH FL 324178108, PANAMA CITY BEACH, FL 32417-8108 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $2,145.00 (+9.89%) | $171,215 (+157.41%) | $178,869 (+86.61%) Land $105,488 Building $73,381 |
| 2024 | $1,952.00 (+340.63%) | ||
| 2023 | $443.00 (+8.31%) Homeowner's exemption | $66,514 (+3%) | $95,853 (+48.43%) Land $71,295 Building $24,558 |
| 2022 | $409.00 Homeowner's exemption | $64,577 Land $42,631 Building $21,946 | $64,577 Land $42,631 Building $21,946 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 |
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