Bay County property record for 8668 Conch Shell Ct, Panama City Beach, FL 32413
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,472 sqft · built 2022 |
| Lot Size | 0.085 acres (3,746 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,200 (May 2022) |
| Tax Bill | $3,215 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32503-200-058 |
| Primary APN | 32503-200-058 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,472 sqft Heated Area |
| Gross Area | 2,062 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Shingle |
| Lot Area | 3,746 sqft (0.085 acres) |
| Lot Dimensions | 100 ft deep x 35 ft wide |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 8668 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 29 ORB 4569 P 2215 |
| Legal Subdivision | LATITUDE AT WATERSOUND AREA 1 |
| Legal Phase | 2 |
| Legal Lot Number | 29 |
| Jurisdiction | BAY FL |
| Township / Civil Division | SOUTHPORT |
| Census Block Group | 3 |
| Census Block | 3140 |
| Census Tract | 201 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 8668 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2022 · Amount on Record |
| Deed Sale | May 27, 2022 · Amount on Record |
| Deed Document Number | 2022040724 |
| Deed Book / Page | 4569 / 2215 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 27, 2022 |
| Property Address | 8668 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9483 |
| Document Number | 0045692215 |
| Book / Page | 4569 / 2215 |
| Map Reference | MB 28 PG 8-18 |
| Instrument Date | May 27, 2022 |
| Instrument | 2022040724 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | WATERSOUND TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,311.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4400 W SAMPLE RD # RD200, RD200, COCONUT CREEK, FL 33073-3470 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3107 SCHOOL HOUSE RD, GOSHEN, KY 40026-7720 |
| Document Number | 0045692217 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 4569/2217 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jun 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year CMT |
| Max Rate | 8.75% |
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 | $3,215.00 (-8.61%) Homeowner's exemption | $299,522 (+7.82%) Land $49,343 Building $250,179 | $299,522 (+7.82%) Land $49,343 Building $250,179 |
| 2023 | $3,518.00 (+1,341.8%) | $277,803 (+1,209.59%) Land $30,231 Building $247,572 | $277,803 (+1,209.59%) Land $30,231 Building $247,572 |
| 2022 | $244.00 | $21,213 Land $21,213 | $21,213 Land $21,213 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 100 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 | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 155 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 Fixed Wireless | 100 / 20 |
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