Bay County property record for 8511 Dreams Float Ct, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,472 sqft · built 2024 |
| Lot Size | 0.086 acres (3,746 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Sep 2025) |
| Tax Bill | $4,293 (2025) |
| Deeds & Mortgages | Sep 2025 Sale Feb 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32503-500-082 |
| Primary APN | 32503-500-082 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,472 sqft Living Area |
| Gross Area | 2,042 sqft |
| 1st Floor Area | 1,472 sqft |
| Lot Area | 3,746 sqft (0.086 acres) |
|---|---|
| Lot Dimensions | 100 ft deep x 35 ft wide |
| Total Buildings | 2 Buildings |
| Street Address | 8511 DREAMS FLOAT CT |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-9622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LATITUDE AT WATERSOUND AREA 1 PHASE 5B LOT 5041 ORB 4776 P 1685 |
| Legal Subdivision | LATITUDE AT WATERSOUND AREA 1 |
| Legal Lot Number | 5041 |
| Jurisdiction | BAY FL |
| Township / Civil Division | SOUTHPORT |
| Census Block Group | 3 |
| Census Block | 3132 |
| Census Tract | 201 |
Source: Bay County records, as of June 15, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 893 20 RD, FRUITA, CO 81521-9306 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 12, 2025 | Warranty Deed, Transfer WATERSOUND TITLE AGENCY LLC |
| Feb 26, 2024 | Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on Record |
| Deed Sale | Sep 12, 2025 · Amount on Record |
| Prior Sale | Feb 26, 2024 · Amount on Record |
| Deed Document Number | 202552821 |
| Deed Book / Page | 4952 / 998 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 12, 2025 |
| Property Address | 8511 DREAMS FLOAT CT, PANAMA CITY BEACH, FL 32413-9622 |
| Document Number | 0049520998 |
| Book / Page | 4952 / 998 |
| Map Reference | MB 30 PG 14 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025052821 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | WATERSOUND TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,045.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21915 US HIGHWAY 281 N # N2307, N2307, SAN ANTONIO, TX 78258-2602 |
| Name | Verified Name |
|---|---|
| Address | 893 20 RD, FRUITA, CO 81521-9306 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 26, 2024 |
| Property Address | 8511 DREAMS FLOAT CT, PANAMA CITY BEACH, FL 32413-9622 |
| Document Number | 0047761685 |
| Book / Page | 4776 / 1685 |
| Map Reference | MB 30 PG 14-18 |
| Instrument Date | Feb 26, 2024 |
| Instrument | 2024010462 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | WATERSOUND TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,887.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4400 W SAMPLE RD # RD200, RD200, COCONUT CREEK, FL 33073-3470 |
| Name | Verified Name |
|---|---|
| Address | 20710 HUEBNER RD APT 1126, 1126, SAN ANTONIO, TX 78258-2534 |
| Document Number | 0047761687 |
|---|---|
| Date | Feb 26, 2024 |
| Instrument | 4776/1687 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2034 |
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 | $4,293.00 (+770.79%) | $346,948 (+767.37%) Land $49,343 Building $297,605 | $346,948 (+767.37%) Land $49,343 Building $297,605 |
| 2024 | $493.00 (+2,365%) | $40,000 (+2,337.54%) Land $40,000 | $40,000 (+2,337.54%) Land $40,000 |
| 2023 | $20.00 | $1,641 Land $1,641 | $1,641 Land $1,641 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 722 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 722 in force |
| Nearby Flood Claims | 3 (2018–2021) |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
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 | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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