Bay County property record for 92 Gulf Loop, Panama City, FL 32408
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,088 sqft · built 1983 |
| Lot Size | 0.019 acres (827 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $245,000 (Oct 2017) |
| Tax Bill | $4,708 (2025) |
| Deeds & Mortgages | Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31441-023-000 |
| Primary APN | 31441-023-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 827 sqft (0.019 acres) |
| Driveway | Driveway |
| Driveway Area | 420 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 208 sqft |
| Patio Area | 180 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 92 GULF LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32408 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | BC16 |
| Legal Description | VENTURE OUT TRAVEL TRAIL LOT 25 BLK 3 ORB 3945 P 2299 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 16 |
| Legal Subdivision | VENTURE OUT TRAVEL TRAIL |
| Legal Block | 3 |
| Legal Lot Number | 25 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 2607 |
Source: Bay County records, as of May 7, 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 |
|---|---|
| Mailing Address | 381 DURHAMVILLE RD, RIPLEY, TN 38063-8971 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2017 · Amount on Record |
| Deed Sale | Oct 13, 2017 · Amount on Record |
| Prior Sale | Jul 15, 2003 · Amount on Record |
| Deed Document Number | 201759399 |
| Deed Book / Page | 3945 / 2299 |
| Prior Transfer Date | Mar 5, 2012 |
| Prior Transfer Doc | 0034000096 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 13, 2017 |
| Property Address | 92 E GULF BLVD, PANAMA CITY BEACH, FL 32408 |
| Document Number | 0039452299 |
| Book / Page | 3945 / 2299 |
| Map Reference | MB296 PG27 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 2017059399 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | FIRST INTERNATIONAL TITLE IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 586 WAWRICK WILLOW, 586, COLLIERVILLE, TN 38017 |
| Name | Verified Name |
|---|---|
| Address | 361 DURHAMVILLE RD, RIPLEY, TN 38063-8971 |
| Document Number | 2017059401 |
|---|---|
| Date | Oct 13, 2017 |
| Instrument | 2017059401 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $4,708.00 (+3.72%) | $345,348 (-1.13%) | $431,997 (+23.68%) Land $218,075 Building $213,922 |
| 2024 | $4,539.00 (+14.68%) | ||
| 2023 | $3,958.00 (+22.46%) | $349,291 (+21.74%) Land $205,726 Building $143,565 | $349,291 (+21.74%) Land $205,726 Building $143,565 |
| 2022 | $3,232.00 | $286,913 Land $170,000 Building $116,913 | $286,913 Land $170,000 Building $116,913 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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