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8521 Lorento St, Panama City Beach, FL 32408 Property Records

Bay County property record for 8521 Lorento St, Panama City Beach, FL 32408

Property Summary

Property TypeMobile Home
Details2 bd · 1 ba · 756 sqft · built 1985
Lot Size0.232 acres (10,106 sqft)
OwnerIndividual Name on Record
Last Sale$115,000 (Nov 2022)
Tax Bill$1,303 (2025)
Deeds & MortgagesNov 2022 Sale
Flood ZoneZone X (minimal risk)
APN30201-044-000

Property Details

APN / Parcel Number

Primary APN30201-044-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area756 sqft Heated Area
Gross Area900 sqft
1st Floor Area756 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Exterior MaterialMetal
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,106 sqft (0.232 acres)
Lot Dimensions135 ft deep x 75 ft wide
PorchPorch
Porch Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address8521 LORENTO ST
CityPANAMA CITY BEACH
StateFL
Zip32408-7721
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeBC16
Legal Description6 4S 15W-11.17- BEG 690' W & 30' S OF NE COR OF SEC TH W 75' S 135' E 75' N 135' TO POB
Legal Range15W
Legal Township04S
Legal Section06
Legal SubdivisionWHISPERING PINES
Legal Lot Number10
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1000
Census Tract2604

Owner

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 RecordIndividual Name on Record
Mailing Address10541 S FORK LOOP, PANAMA CITY, FL 32404-4884
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 9, 2022 · Amount on Record
Deed SaleNov 9, 2022 · Amount on Record
Prior SaleFeb 25, 2005 · Amount on Record
Deed Document Number0046291772
Deed Book / Page4629 / 1772
Record UpdatedJun 8, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateNov 9, 2022
Property Address8521 LORENTO ST, PANAMA CITY BEACH, FL 32408-7721
Document Number0046291772
Book / Page4629 / 1772
Instrument DateNov 9, 2022
Instrument2022081806
Transaction TypeTransfer
Record UpdatedDec 1, 2022
Title CompanySOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

AmountAmount Recorded
Tax$805.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3820 HICKS LAKE LN, 3820, VERNON, FL 32462-3795

Transferred To (Grantee/Buyer)

NameVerified Name
Address10541 S FORK LOOP, PANAMA CITY, FL 32404-4884

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,303.00 (+23.51%)$116,084 (+42.87%) Land $105,488 Building $10,596$116,084 (+42.87%) Land $105,488 Building $10,596
2023$1,055.00 (+72.39%)$81,254 (+57.68%) Land $71,295 Building $9,959$81,254 (+57.68%) Land $71,295 Building $9,959
2022$612.00$51,531 Land $42,631 Building $8,900$51,531 Land $42,631 Building $8,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 27 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies27 in force
Nearby Flood Claims10 (1984–2020)
Claims Outside the SFHA10 of 10
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Michael, Oct 2018 · 2 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 388 locations within half a mile, as of December 31, 2025

ProviderMax 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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