Bay County property record for 8723 Conch Shell Ct, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,360 sqft · built 2022 |
| Lot Size | 0.091 acres (3,963 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $445,000 (Dec 2022) |
| Tax Bill | $3,637 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Jul 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 32503-200-164 |
| Primary APN | 32503-200-164 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Gross Area | 1,801 sqft |
| 1st Floor Area | 1,200 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 3,963 sqft (0.091 acres) |
| Lot Dimensions | 100 ft deep x 42 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Florida Room |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8723 CONCH SHELL CT |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-9484 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LATITUDE AT WATERSOUND AREA 1 PHASE 2 LOT 82 ORB 4640 P 1741 |
| Legal Range | 16W |
| Legal Township | 02S |
| Legal Section | 17 |
| Legal Subdivision | LATITUDE AT WATERSOUND AREA 1 PHASE 2 |
| Legal Phase | 2 |
| Legal Lot Number | 82 |
| Jurisdiction | BAY FL |
| Township / Civil Division | SOUTHPORT |
| Census Block Group | 3 |
| Census Block | 3140 |
| Census Tract | 201 |
Source: Bay County records, as of August 18, 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 |
|---|---|
| Mailing Address | 1585 COBB RD, TALLASSEE, AL 36078-5798 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 29, 2022 | Special Warranty Deed, Transfer WATERSOUND TITLE AGENCY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2022 · Amount on Record |
| Deed Sale | Dec 16, 2022 · Amount on Record |
| Prior Sale | Jul 29, 2022 · Amount on Record |
| Deed Document Number | 202289187 |
| Deed Book / Page | 4640 / 1741 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 16, 2022 |
| Property Address | 8723 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9484 |
| Document Number | 0046401741 |
| Book / Page | 4640 / 1741 |
| Map Reference | MB 28 PG 8-18 |
| Instrument Date | Dec 16, 2022 |
| Instrument | 2022089187 |
| 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 | $3,115.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 49643, CHARLOTTE, NC 28277-0082 |
| Name | Verified Name |
|---|---|
| Address | 8723 CONCH SHELL CT, PANAMA CITY, FL 32413-9484 |
| Document Number | 0046401743 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 4640/1743 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 29, 2022 |
| Property Address | 8723 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9484 |
| Document Number | 0045931136 |
| Book / Page | 4593 / 1136 |
| Map Reference | MB 28 PG 8-18 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 2022056486 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | WATERSOUND TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,093.00 |
| 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 | Joint Tenants |
| Address | 8723 CONCH SHELL CT, PANAMA CITY, FL 32413-9484 |
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 | $3,637.00 (+2.25%) Homeowner's exemption Widower's exemption | $338,626 (-11.14%) | $340,788 (-10.57%) Land $49,343 Building $291,445 |
| 2024 | $3,557.00 (-26.07%) | ||
| 2023 | $4,811.00 (+1,871.72%) | $381,059 (+1,696.35%) Land $30,231 Building $350,828 | $381,059 (+1,696.35%) Land $30,231 Building $350,828 |
| 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 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 | 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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