Bay County property record for 8614 Terrell St, Panama City Beach, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,340 sqft · built 1987 |
| Lot Size | 0.309 acres (13,460 sqft) |
| Owner | Company Name on File |
| Last Sale | $385,000 (Nov 2022) |
| Tax Bill | $5,193 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Nov 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 30201-162-000 |
| Primary APN | 30201-162-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,340 sqft Living Area |
| 1st Floor Area | 2,340 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,460 sqft (0.309 acres) |
| Lot Dimensions | 135 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 1,296 sqft |
| Driveway | Driveway |
| Driveway Area | 900 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 235 sqft |
| Deck Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8614 TERRELL ST |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32408-7730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | 6 4S 15W -11.82- 58B1 BEG 630 S & 130 E OF NW COR OF NE1/4 OF NE1/4 OF SEC TH E 100 N 135 W 100 S 135 TO POB AKA LOTS 6,8 ADVENTURE INN PARK #1 UNREC ORB 1777 1960 ORB 4630 P 2037 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | ADVENTURE INN PARK |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 2604 |
8614 Terrell St is owned by a company that bought it in November 2022.
Source: Bay County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4790 SENSENY RD, BERRYVILLE, VA 22611-3334 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage VISIO FINANCIAL SERVICES INC |
| Nov 15, 2022 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2022 · Amount on File |
| Deed Sale | Nov 15, 2022 · Amount on File |
| Prior Sale | Nov 15, 2022 · Amount on File |
| Deed Document Number | 202282483 |
| Deed Book / Page | 4630 / 2037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 15, 2022 |
| Property Address | 8614 TERRELL ST, PANAMA CITY BEACH, FL 32408-7730 |
| Document Number | 0046302037 |
| Book / Page | 4630 / 2037 |
| Instrument Date | Nov 10, 2022 |
| Instrument | 2022082483 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3810 MILL RUN RD, LEXINGTON, OH 44904-9574 |
| Document Number | 0046302039 |
|---|---|
| Date | Nov 15, 2022 |
| Instrument | 4630/2039 |
| Name | VISIO FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 15, 2022 |
| Property Address | 8614 TERRELL ST, PANAMA CITY BEACH, FL 32408-7730 |
| Document Number | 0046301821 |
| Book / Page | 4630 / 1821 |
| Instrument Date | Nov 10, 2022 |
| Instrument | 2022082427 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $630.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3810 MILL RUN RD, LEXINGTON, OH 44904-9574 |
The 2025 property tax bill for 8614 Terrell St was $5,193, up 8.4% from the year before.
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 | $5,193.00 (+8.37%) | $422,421 Land $140,650 Building $281,771 | $422,421 Land $140,650 Building $281,771 |
| 2024 | $4,792.00 (+0.74%) | ||
| 2023 | $4,757.00 (+210.92%) | $377,305 (+115.65%) Land $95,060 Building $282,245 | $377,305 (+108.3%) Land $95,060 Building $282,245 |
| 2022 | $1,530.00 Homeowner's exemption | $174,964 | $181,137 Land $56,256 Building $124,881 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8614 Terrell St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1984.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 8614 Terrell St is low, with less than 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 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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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