Bay County property record for 8828 Macadamia Ln, Panama City Beach, FL 32413
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $634,000 (Sep 2026) |
| Tax Bill | $610 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32503-700-226 |
| Primary APN | 32503-700-226 |
|---|
| Lot Area | 7,971 sqft (0.183 acres) |
|---|---|
| Lot Dimensions | 131 ft deep x 60 ft wide |
| Street Address | 8828 MACADAMIA LN |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-9648 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | LATITUDE AT WATERSOUND AREA 1 PHASE 7 LOT 7113 |
| Legal Subdivision | LATITUDE AT WATERSOUND AREA 1 |
| Legal Lot Number | 7113 |
| Jurisdiction | BAY FL |
| Township / Civil Division | SOUTHPORT |
| Census Block Group | 3 |
| Census Block | 3132 |
| Census Tract | 201 |
8828 Macadamia Ln, vacant land, is owned and occupied by two individuals who bought it in September 2026.
Source: Bay County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8828 MACADAMIA LN, PANAMA CITY BEACH, FL 32413-9648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2026 · Amount on File |
| Deed Sale | Sep 29, 2026 · Amount on File |
| Deed Document Number | 202660676 |
| Deed Book / Page | 5084 / 641 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 29, 2026 |
| Property Address | 8828 MACADAMIA LN, PANAMA CITY BEACH, FL 32413-9648 |
| Document Number | 0000060676 |
| Book / Page | 5084 / 641 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 202660676 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| Title Company | WATERSOUND TITLE AGENCY LLC, WATERSOUND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $448,238.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8828 MACADAMIA LN, PANAMA CITY BEACH, FL 32413-9648 |
| Document Number | 0000060677, |
|---|---|
| Date | Sep 29, 2026 |
| Instrument | 202660677 |
| Name | WELLS FARGO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 8828 Macadamia Ln was $610, up 643.9% from the year before.
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 | $610.00 (+643.9%) | $49,343 Land $49,343 | $49,343 Land $49,343 |
| 2024 | $82.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8828 Macadamia Ln 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 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 File 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 risk around 8828 Macadamia Ln is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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