911 Cobia Dr, Panama City, FL 32408 Property Records

Bay County property record for 911 Cobia Dr, Panama City, FL 32408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,176 sqft · built 1980
Lot Size	0.341 acres (14,853 sqft)
Owner	2 Trust Names on File
Last Sale	$260,000 (Jun 2016)
Tax Bill	$2,687 (2025)
Deeds & Mortgages	Mar 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`30933-183-000`

Property Details

APN / Parcel Number

Primary APN	`30933-183-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,176 sqft Living Area
Gross Area	2,704 sqft
1st Floor Area	2,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,853 sqft (0.341 acres)
Lot Dimensions	152 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Driveway Area	936 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	512 sqft
Deck Area	Deck Area
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	911 COBIA DR
City	PANAMA CITY
State	FL
Zip	32408-7257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	BAY POINT UNIT 1 LOT 136 ORB 4784 P 341
Legal Range	15W
Legal Township	04S
Legal Section	09
Legal Subdivision	BAY POINT
Legal Lot Number	136
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	1
Census Block	1020
Census Tract	2608

Owner

911 Cobia Dr is owner-occupied and held in a trust since March 2024.

Source: Bay County records, as of January 5, 2026

Owner of Record	2 Trust Names on File
Mailing Address	911 COBIA DR, PANAMA CITY BEACH, FL 32408-7257
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 Names	2 Names on Deed
Last Sale	Jun 29, 2016 · Amount on File
Deed Sale	Jun 29, 2016 · Amount on File
Prior Sale	Jul 25, 2008 · Amount on File
Deed Document Number	201634787
Deed Book / Page	3808 / 1882
Last Transfer Date	Mar 19, 2024
Transfer Doc	0047840341
Record Updated	Jun 8, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Mar 19, 2024
Property Address	911 COBIA DR, PANAMA CITY BEACH, FL 32408-7257
Document Number	0047840341
Book / Page	4784 / 341
Map Reference	MB 11 PG 47-56
Instrument Date	Mar 19, 2024
Instrument	2024015771
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	911 COBIA DR, PANAMA CITY, FL 32408-7257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	911 COBIA DR, PANAMA CITY BEACH, FL 32408-7257

Tax Assessment & Valuation

The 2025 property tax bill for 911 Cobia Dr was $2,687 with a homeowner's exemption, up 1.7% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$2,687.00 (+1.74%) Homeowner's exemption	$258,198	$354,348 Land $119,000 Building $235,348
2024	$2,641.00 (+1.69%)
2023	$2,597.00 (+11.27%) Homeowner's exemption	$243,613 (+3%)	$331,976 (+29.7%) Land $99,027 Building $232,949
2022	$2,334.00 Homeowner's exemption	$236,517	$255,947 Land $89,465 Building $166,482

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 911 Cobia Dr in Zone X, an area of minimal flood risk, though there have been 214 flood claims nearby since 1991.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 250 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	491 units insured incl. 241 condo units
Nearby Flood Claims	214 (1991–2026)
Claims Outside the SFHA	150 of 214
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 13 claims Hurricane Michael, Oct 2018 · 48 claims Hurricane Opal, Oct 1995 · 98 claims

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 911 Cobia Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20