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8728 Conch Shell Ct, Panama City Beach, FL 32413 Property Records

Bay County property record for 8728 Conch Shell Ct, Panama City Beach, FL 32413

Property Summary

Property TypeTownhouse
Details2 bd · 2 ba · 1,472 sqft · built 2022
Lot Size0.085 acres (3,746 sqft)
OwnerIndividual Name on File
Last Sale$351,700 (Aug 2022)
Tax Bill$3,179 (2025)
Deeds & MortgagesAug 2022 Sale
Flood ZoneZone X (minimal risk)
APN32503-200-026

Property Details

APN / Parcel Number

Primary APN32503-200-026

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,472 sqft Heated Area
Gross Area2,062 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialWood
Roof TypeCathedral/Clerestory
Roof MaterialShingle
Lot Area3,746 sqft (0.085 acres)
Lot Dimensions100 ft deep x 35 ft wide
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address8728 CONCH SHELL CT
CityPANAMA CITY BEACH
StateFL
Zip32413-9484
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLATITUDE AT WATERSOUND AREA 1 PHASE 2 LOT 13 ORB 4604 P 335
Legal SubdivisionLATITUDE AT WATERSOUND AREA 1
Legal Phase2
Legal Lot Number13
JurisdictionBAY FL
Township / Civil DivisionSOUTHPORT
Census Block Group3
Census Block3140
Census Tract201

Owner

8728 Conch Shell Ct, a townhouse, is owned and occupied by an individual who bought it in August 2022.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address8728 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9484
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2022 · Amount on File
Deed SaleAug 29, 2022 · Amount on File
Deed Document Number2022064082
Deed Book / Page4604 / 335
Record UpdatedJun 8, 2026

August 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateAug 29, 2022
Property Address8728 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9484
Document Number0046040335
Book / Page4604 / 335
Map ReferenceMB 28 PG 8-18
Instrument DateAug 29, 2022
Instrument2022064082
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyWATERSOUND TITLE AGENCY LLC

Transaction

AmountAmount on Record
Tax$2,461.90
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
Address6728 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413

Tax Assessment & Valuation

The 2025 property tax bill for 8728 Conch Shell Ct was $3,179 with exemptions applied.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,179.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$301,605$312,046 Land $49,343 Building $262,703
2023$3,051.00 (+1,150.41%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$284,568 (+1,241.48%)$290,337 (+1,268.67%) Land $30,231 Building $260,106
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.

Flood

FEMA maps place 8728 Conch Shell Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 722 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies722 in force
Nearby Flood Claims3 (2018–2021)
Most Recent ClaimOct 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.

Wildfire

Wildfire risk around 8728 Conch Shell Ct is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 73% of the US · above 58% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

ProviderMax 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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