Bay County property record for 8751 Conch Shell Ct, Panama City Beach, FL 32413
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,368 sqft · built 2022 |
| Lot Size | 0.094 acres (4,095 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $326,200 (Jul 2022) |
| Tax Bill | $3,724 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32503-200-192 |
| Primary APN | 32503-200-192 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,368 sqft Heated Area |
| Gross Area | 2,033 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Shingle |
| Lot Area | 4,095 sqft (0.094 acres) |
| Lot Dimensions | 110 ft deep x 35 ft wide |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 8751 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 96 ORB 4590 P 407 |
| Legal Subdivision | LATITUDE AT WATERSOUND AREA 1 |
| Legal Phase | 2 |
| Legal Lot Number | 96 |
| 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 | 3535 TIMBERLAND RD, MONROE, GA 30655-7920 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2022 · Amount on Record |
| Deed Sale | Jul 20, 2022 · Amount on Record |
| Deed Document Number | 2022054135 |
| Deed Book / Page | 4590 / 407 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 20, 2022 |
| Property Address | 8751 CONCH SHELL CT, PANAMA CITY BEACH, FL 32413-9484 |
| Document Number | 0045900407 |
| Book / Page | 4590 / 407 |
| Map Reference | MB 28 PG 8-18 |
| Instrument Date | Jul 20, 2022 |
| Instrument | 2022054135 |
| 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 | $2,283.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4400 W SAMPLE RD # RD200, RD200, COCONUT CREEK, FL 33073-3470 |
| Name | Verified Name |
|---|---|
| Address | 3535 TIMBERLAND RD, MONROE, GA 30655-7920 |
| Document Number | 0004590409 |
|---|---|
| Date | Jul 20, 2022 |
| Instrument | 4590/409 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
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 | $3,724.00 (+5.32%) | $300,956 (+7.78%) Land $49,343 Building $251,613 | $300,956 (+7.78%) Land $49,343 Building $251,613 |
| 2023 | $3,536.00 (+1,349.18%) | $279,220 (+1,216.27%) Land $30,231 Building $248,989 | $279,220 (+1,216.27%) Land $30,231 Building $248,989 |
| 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 | Moderate above 65% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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