Bay County property record for 8634 Conch Shell Ct, Panama City Beach, FL 32413
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,308 sqft · built 2021 |
| Lot Size | 0.091 acres (3,964 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,400 (Dec 2021) |
| Tax Bill | $3,546 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32503-200-084 |
| Primary APN | 32503-200-084 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,308 sqft Heated Area |
| Gross Area | 1,909 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 3,964 sqft (0.091 acres) |
| Lot Dimensions | 100 ft deep x 42 ft wide |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 8634 CONCH SHELL CT |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-9483 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LATITUDE AT WATERSOUND AREA 1 PHASE 2 LOT 42 ORB 4500 P 1651 |
| Legal Subdivision | LATITUDE AT WATERSOUND AREA 1 |
| Legal Phase | 2 |
| Legal Lot Number | 42 |
| Jurisdiction | BAY FL |
| Township / Civil Division | SOUTHPORT |
| Census Block Group | 3 |
| Census Block | 3140 |
| Census Tract | 201 |
Source: Bay County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8634 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 17, 2021 · Amount on Record |
| Deed Sale | Dec 17, 2021 · Amount on Record |
| Deed Document Number | 2021095665 |
| Deed Book / Page | 4500 / 1651 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 17, 2021 |
| Property Address | 8634 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483 |
| Document Number | 0045001651 |
| Book / Page | 4500 / 1651 |
| Map Reference | MB 28 PG 8-18 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 2021095665 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | WATERSOUND TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,032.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4400 W SAMPLE RD # RD200, RD200, COCONUT CREEK, FL 33073-3470 |
| Name | Verified Name |
|---|---|
| Address | 8634 CONCH SHELL CT, PANAMA CITY, FL 32413-9483 |
| Document Number | 0045001653 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 4500/1653 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2042 |
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 | $3,546.00 (+4.94%) | $286,605 (+7.49%) Land $49,343 Building $237,262 | $286,605 (+7.49%) Land $49,343 Building $237,262 |
| 2023 | $3,379.00 (+17.86%) | $266,643 (+8.9%) Land $30,231 Building $236,412 | $266,643 (+8.9%) Land $30,231 Building $236,412 |
| 2022 | $2,867.00 | $244,851 Land $21,213 Building $223,638 | $244,851 Land $21,213 Building $223,638 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 722 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 722 in force |
| Nearby Flood Claims | 3 (2018–2021) |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures