Bay County property record for 8520 Front Beach Rd, Panama City Beach, FL 32407
| Property Type | Commercial Vacant Land |
|---|---|
| Details | 2 bd · 1 ba |
| Lot Size | 0.832 acres (36,285 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $4,276 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27556-020-000 |
| Primary APN | 27556-020-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Lot Area | 36,285 sqft (0.832 acres) |
|---|---|
| Lot Dimensions | 110 ft deep x 150 ft wide |
| Street Address | 8520 FRONT BEACH RD |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32407 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Local Zoning Code | BC04 BC15 |
| Legal Description | 31 3S 15W -11.2- 57C4 BEG 376' E OF NW COR NE1/4 OF SE1/4 FOR POB TH E 82.75' |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 31 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 2609 |
The current owner of 8520 Front Beach Rd acquired it in August 2004.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | PO BOX 1037, PANAMA CITY, FL 32402-1037 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 4, 2004 |
| Transfer Doc | 0024831751 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 8520 Front Beach Rd was $4,276.
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 | $4,276.00 | $384,492 Land $381,992 Building $2,500 | $384,492 Land $381,992 Building $2,500 |
| 2023 | $2,215.00 (+29.61%) | $201,652 (+32.53%) Land $198,000 Building $3,652 | $201,652 (+32.53%) Land $198,000 Building $3,652 |
| 2022 | $1,709.00 | $152,152 Land $148,500 Building $3,652 | $152,152 Land $148,500 Building $3,652 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8520 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 |
|
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 risk around 8520 Front Beach Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% 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 388 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 |
May also be available: T-Mobile.
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