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8646 Conch Shell Ct, Panama City Beach, FL 32413 Property Records

Bay County property record for 8646 Conch Shell Ct, Panama City Beach, FL 32413 · Last verified February 2026

Property Summary

Property TypeTownhouse
Details2 bd · 2 ba · 1,308 sqft · built 2021
Lot Size0.091 acres (3,964 sqft)
OwnerIndividual Name on File
Last Sale$485,000 (Apr 2023)
Tax Bill$3,347 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Dec 2021 Sale
Flood ZoneZone X (minimal risk)
APN32503-200-076

Property Details

APN / Parcel Number

Primary APN32503-200-076

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,308 sqft Heated Area
Gross Area1,909 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area3,964 sqft (0.091 acres)
Lot Dimensions100 ft deep x 42 ft wide
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address8646 CONCH SHELL CT
CityPANAMA CITY BEACH
StateFL
Zip32413-9483
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLATITUDE AT WATERSOUND AREA 1 PHASE 2 LOT 38 ORB 4677 P 1427
Legal SubdivisionLATITUDE AT WATERSOUND AREA 1
Legal Phase2
Legal Lot Number38
JurisdictionBAY FL
Township / Civil DivisionSOUTHPORT
Census Block Group3
Census Block3140
Census Tract201

Owner

Source: Bay County records · APN 32503-200-076

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address8646 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 12, 2023Warranty Deed, Transfer · Conventional Mortgage
TYNDALL FCU
Dec 28, 2021Special Warranty Deed, Transfer
WATERSOUND TITLE AGENCY LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 12, 2023 · Amount on Record
Deed SaleApr 12, 2023 · Amount on Record
Prior SaleDec 28, 2021 · Amount on Record
Deed Document Number2023022192
Deed Book / Page4677 / 1427
Record UpdatedJun 08, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 12, 2023
Property Address8646 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483
Document Number0046771427
Book / Page4677 / 1427
Map ReferenceMB 28 PG 8-18
Instrument DateApr 11, 2023
Instrument2023022192
Transaction TypeTransfer
Record UpdatedMay 08, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,395.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8646 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483

Transferred To (Grantee/Buyer)

NameVerified Name
Address8646 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483

Mortgage

Document Number0046771429
DateApr 12, 2023
Instrument4677/1429
Lender
NameTYNDALL FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053
Interest
Rate TypeAdjustable Rate
Rate5.5%
Type Change DateMay 01, 2030
Change Frequency6 Months
Min Rate At Change2.5%
Max Rate At Change10.5%
IndexOther
Max Rate10.5%

December 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateDec 28, 2021
Property Address8646 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483
Document Number0045040278
Book / Page4504 / 278
Map ReferenceMB 28 PG 8-18
Instrument DateDec 27, 2021
Instrument2021097833
Transaction TypeTransfer
Record UpdatedJun 07, 2023
Title CompanyWATERSOUND TITLE AGENCY LLC

Transaction

AmountAmount Recorded
Tax$2,009.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4400 W SAMPLE RD # RD200, RD200, COCONUT CREEK, FL 33073-3470

Transferred To (Grantee/Buyer)

NameVerified Name
Address7111 W LAKELAND DR, PANAMA CITY, FL 32404-4268

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,347.00 (-0.95%) Homeowner's exemption$310,174 (+16.33%)$420,827 (+57.82%) Land $49,343 Building $371,484
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050002013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 722 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies722 in force
Nearby Flood Claims3 (2018–2021)
Most Recent ClaimOct 2021, rainfall accumulation

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 420 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 198 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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