8734 Conch Shell Ct, Panama City Beach, FL 32413 Property Records

Bay County property record for 8734 Conch Shell Ct, Panama City Beach, FL 32413

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,200 sqft · built 2022
Lot Size	0.091 acres (3,964 sqft)
Owner	Individual Name on Record
Last Sale	$314,200 (Sep 2022)
Tax Bill	$3,080 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32503-200-020`

Property Details

APN / Parcel Number

Primary APN	`32503-200-020`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Heated Area
Gross Area	1,801 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	8734 CONCH SHELL CT
City	PANAMA CITY BEACH
State	FL
Zip	32413-9484
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LATITUDE AT WATERSOUND AREA 1 PHASE 2 LOT 10 ORB 4615 P 1297
Legal Subdivision	LATITUDE AT WATERSOUND AREA 1
Legal Phase	2
Legal Lot Number	10
Jurisdiction	BAY FL
Township / Civil Division	SOUTHPORT
Census Block Group	3
Census Block	3140
Census Tract	201

Owner

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	8734 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9484
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Deed Document Number	2022071919
Deed Book / Page	4615 / 1297
Record Updated	Jun 8, 2026

September 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 29, 2022
Property Address	8734 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9484
Document Number	0046151297
Book / Page	4615 / 1297
Map Reference	MB 28 PG 8-18
Instrument Date	Sep 29, 2022
Instrument	2022071919
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	WATERSOUND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,199.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4400 W SAMPLE RD # RD200, RD200, COCONUT CREEK, FL 33073-3470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8734 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9484

Mortgage

Document Number	0046151299
Date	Sep 29, 2022
Instrument	4615/1299

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,080.00 (+4.05%) Homeowner's exemption	$288,593 (+5.99%)	$293,952 (+7.96%) Land $49,343 Building $244,609
2023	$2,960.00 (+1,113.11%) Homeowner's exemption	$272,291 (+1,183.6%) Land $30,231 Building $242,060	$272,291 (+1,183.6%) Land $30,231 Building $242,060
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

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.

Wildfire

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

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20