Bay County property record for 86 Gulf Loop, Panama City Beach, FL 32408
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 792 sqft · built 2023 |
| Lot Size | 0.019 acres (828 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Jan 2022) |
| Tax Bill | $3,539 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 31441-028-000 |
| Primary APN | 31441-028-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 792 sqft Heated Area |
| Gross Area | 864 sqft |
| 1st Floor Area | 504 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 828 sqft (0.019 acres) |
| Driveway | Driveway |
| Driveway Area | 648 sqft |
| Porch | Porch |
| Porch Area | 360 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 86 GULF LOOP |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | BC16 |
| Legal Description | VENTURE OUT TRAVEL TRAIL LOT 31 BLK 3 ORB 4514 P 165 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 16 |
| Legal Subdivision | VENTURE OUT/PANAMA CITY BEACH |
| Legal Block | 3 |
| Legal Lot Number | 31 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 2607 |
86 Gulf Loop, a mobile home, is owned by an individual who bought it in January 2022.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5216 OAK WAY, NORTHPORT, AL 35473-1979 |
| Owner Type | Individual |
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 Sale | Jan 21, 2022 · Amount on File |
| Deed Sale | Jan 21, 2022 · Amount on File |
| Prior Sale | Oct 12, 2012 · Amount on File |
| Deed Document Number | 2022004846 |
| Deed Book / Page | 4514 / 165 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 21, 2022 |
| Property Address | 86 E GULF BLVD, PANAMA CITY BEACH, FL 32408 |
| Document Number | 0045140165 |
| Book / Page | 4514 / 165 |
| Map Reference | MB 296 PG 27 |
| Instrument Date | Jan 6, 2022 |
| Instrument | 2022004846 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1596 TAPPAHANNOCK TRL, MARIETTA, GA 30062-2079 |
| Name | Verified Name |
|---|---|
| Address | 5712 BRIDLE LN, NORTHPORT, AL 35473-2802 |
| Document Number | 0004514167 |
|---|---|
| Date | Jan 21, 2022 |
| Instrument | 4514/167 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Feb 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.12% |
| Index | 1-Year LIBOR |
| Max Rate | 7.12% |
The 2025 property tax bill for 86 Gulf Loop was $3,539.
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 | $3,539.00 | $287,934 Land $218,075 Building $69,859 | $287,934 Land $218,075 Building $69,859 |
| 2023 | $3,071.00 (+43.84%) | $242,470 (+19.46%) Land $205,726 Building $36,744 | $242,470 (+19.46%) Land $205,726 Building $36,744 |
| 2022 | $2,135.00 | $202,970 Land $170,000 Building $32,970 | $202,970 Land $170,000 Building $32,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Gulf Loop in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 311 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,268 units insured incl. 957 condo units |
| Nearby Flood Claims | 254 (1978–2023) |
| Claims Outside the SFHA | 161 of 254 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
| 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.
The area around 86 Gulf Loop has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 178 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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