Bay County property record for 90 Gulf Loop, Panama City Beach, FL 32408
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 714 sqft · built 1998 |
| Lot Size | 0.019 acres (827 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,522 (2025) |
| Deeds & Mortgages | Nov 2024 Sale Nov 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 31441-024-000 |
| Primary APN | 31441-024-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 714 sqft Living Area |
| 1st Floor Area | 402 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 827 sqft (0.019 acres) |
| Driveway | Driveway |
| Driveway Area | 192 sqft |
| Porch | Florida Room |
| Porch Area | 360 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 90 GULF LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32408 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | BC16 |
| Legal Description | VENTURE OUT TRAVEL TRAIL LOT 27 BLK 3 ORB 4322 P 1031 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 16 |
| Legal Subdivision | VENTURE OUT TRAVEL TRAIL |
| Legal Block | 3 |
| Legal Lot Number | 27 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 2607 |
90 Gulf Loop, a mobile home, is owned and occupied by two individuals who acquired it in November 2020.
Source: Bay County records, as of June 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 90 GULF LOOP, PANAMA CITY, FL 32408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 25, 2024 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 10, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 4, 2020 |
| Transfer Doc | 0000075762 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 25, 2024 |
| Property Address | 90 GULF LOOP, PANAMA CITY BEACH, FL 32408 |
| Document Number | 0048621254 |
| Book / Page | 4862 / 1254 |
| Map Reference | MB 296 PG 27 |
| Instrument Date | Nov 22, 2024 |
| Instrument | 2024068953 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 10, 2020 |
| Property Address | 90 E GULF BLVD, PANAMA CITY BEACH, FL 32408 |
| Document Number | 0043221032 |
| Book / Page | 004322 / 001032 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 75762 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1409 UNIVERSITY BLVD TUSCALOOSA AL 354011633, TUSCALOOSA, AL 35401-1633 |
The 2025 property tax bill for 90 Gulf Loop was $3,522.
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 | $3,522.00 | $283,240 Land $218,075 Building $65,165 | $283,240 Land $218,075 Building $65,165 |
| 2023 | $2,735.00 (+23.87%) | $244,340 (+21.78%) Land $205,726 Building $38,614 | $244,340 (+21.78%) Land $205,726 Building $38,614 |
| 2022 | $2,208.00 | $200,647 Land $170,000 Building $30,647 | $200,647 Land $170,000 Building $30,647 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 90 Gulf Loop 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 311 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,268 units insured incl. 957 condo units |
| Nearby Flood Claims | 254 (1978–2023) |
| Claims Outside the SFHA | 161 of 254 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 90 Gulf Loop has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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