8623 Lorento St, Panama City, FL 32408 Property Records

Bay County property record for 8623 Lorento St, Panama City, FL 32408

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 1,684 sqft · built 2019
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Dec 2025)
Tax Bill	$4,040 (2025)
Deeds & Mortgages	Dec 2025 Sale Dec 2025 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`30201-060-000`

Property Details

APN / Parcel Number

Primary APN	`30201-060-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,684 sqft Living Area
1st Floor Area	1,684 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Duplex Single
Exterior Material	Metal
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	70 ft deep x 75 ft wide
Driveway	Driveway
Driveway Area	589 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8623 LORENTO ST
City	PANAMA CITY
State	FL
Zip	32408-7723
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	BC16
Legal Description	6 4S 15W -11.24- BEG 30 S & 1215 W OF NE COR OF SEC TH W 75 S 70 E 74.84 TH N 70 TO POB AKA PT LOT 17 BLK A WHISPERING PINES UNREC ORB 4568 P 535
Legal Range	15W
Legal Township	04S
Legal Section	06
Legal Subdivision	WHISPERING PINES
Legal Block	A
Legal Lot Number	17
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1000
Census Tract	2604

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGENCY INC
Dec 16, 2025	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
May 24, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Jan 7, 2020	Grant Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC
Jul 3, 2019	Loan Modification, Mortgage · Conventional Mortgage INNOVATIONS FCU
Jul 20, 2018	Deed of Trust, Mortgage · Conventional with PMI INNOVATIONS FCU
Jun 28, 2018	Warranty Deed, Transfer INNOVATIONS FCU
Apr 30, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Dec 16, 2025 · Amount on Record
Deed Document Number	202573488
Deed Book / Page	4984 / 903
Prior Transfer Date	Dec 18, 2024
Prior Transfer Doc	0048692286
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 16, 2025
Property Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Document Number	0049840901
Book / Page	4984 / 901
Instrument Date	Dec 15, 2025
Instrument	2025073487
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2423 ANNE AVE, PANAMA CITY BEACH, FL 32408-4309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7200 S LAGOON DR, PANAMA CITY BEACH, FL 32408-5431

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 16, 2025
Property Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Document Number	0049840903
Book / Page	4984 / 903
Instrument Date	Dec 15, 2025
Instrument	2025073488
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7200 S LAGOON DR, PANAMA CITY, FL 32408-5431

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723

Mortgage

Document Number	0004984905
Date	Dec 16, 2025
Instrument	4984/905

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 24, 2022
Property Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Document Number	0045680535
Book / Page	4568 / 535
Instrument Date	May 11, 2022
Instrument	2022039498
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2423 ANNE AVE, 2423, PANAMA CITY BEACH, FL 32408-4309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2423 ANNE AVE, PANAMA CITY BEACH, FL 32408-4309

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Jan 7, 2020
Property Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Document Number	0042081535
Book / Page	004208 / 001535
Instrument Date	Dec 30, 2019
Instrument	1230
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,823.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7200 S LAGOON DR PANAMA CITY BEACH FL 324085431, PANAMA CITY BEACH, FL 32408-5431

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Document Number	0041440463
Instrument Date	Jul 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2332 PELICAN BAY CT PANAMA CITY BEACH FL 324087010, PANAMA CITY BEACH, FL 32408-7010

Mortgage

Document Number	0041440463
Date	Jul 15, 2019
Book Page	004144/000463
Instrument	63715

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406-5529

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 14, 2020

Interest

Rate	2%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Document Number	0040300201
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2332 PELICAN BAY CT PANAMA CITY FL 324087010, PANAMA CITY, FL 32408-7010

Mortgage

Document Number	0040300201
Date	Jul 23, 2018
Book Page	004030/000201
Instrument	43334

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Jul 22, 2028

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 28, 2018
Property Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Document Number	0040220767
Book / Page	004022 / 000767
Instrument Date	Jun 26, 2018
Instrument	38252
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	SOUTH OAK TITLE 30A LLC

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2332 PELICAN BAY CT PANAMA CITY BEACH FL 324087010, PANAMA CITY BEACH, FL 32408-7010

Mortgage

Document Number	40220769
Date	Jun 28, 2018
Book Page	004022/000769
Instrument	38253

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY BEACH, FL 32406

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 27, 2028

Mortgage

Document Number	40220701,
Date	Jun 28, 2018
Book Page	004022/000701
Instrument	38244

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 27, 2023

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 30, 2018
Property Address	8623 LORENTO ST, PANAMA CITY BEACH, FL 32408-7723
Document Number	0040031472
Book / Page	004003 / 001472
Instrument Date	Apr 30, 2018
Instrument	25535
Transaction Type	Transfer
Record Updated	May 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7414 CHIPEWA ST PANAMA CITY FL 324047701, PANAMA CITY, FL 32404-7701

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,040.00 (+9.6%)	$320,188 (+7.93%)	$339,658 (+14.49%) Land $78,300 Building $261,358
2024	$3,686.00 (+4.3%)	$296,667 (+1.89%) Land $60,804 Building $235,863	$296,667 (+1.89%) Land $60,804 Building $235,863
2023	$3,534.00 (+24.13%)	$291,177 (+18.78%) Land $52,920 Building $238,257	$291,177 (+18.78%) Land $52,920 Building $238,257
2022	$2,847.00	$245,131 Land $31,644 Building $213,487	$245,131 Land $31,644 Building $213,487

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	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 Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

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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