9949 Thomas Dr, #C, Panama City Beach, FL 32408 Property Records

Bay County property record for 9949 Thomas Dr, #C, Panama City Beach, FL 32408

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4 bd · 1 ba · 7,840 sqft · built 1975
Lot Size	0.526 acres (22,956 sqft)
Owner	Company Name on File
Last Sale	$345,000 (Nov 1985)
Tax Bill	$7,144 (2025)
Deeds & Mortgages	May 2020 Construction Loan Jun 2019 Loan Modification + 3 more
Flood Zone	Zone X (moderate risk)
APN	`34870-020-000`

Property Details

APN / Parcel Number

Primary APN	`34870-020-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	7,840 sqft Total Area
1st Floor Area	7,500 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,956 sqft (0.526 acres)
Lot Dimensions	242 ft deep x 95 ft wide
Porch	Porch
Porch Area	80 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	9949 THOMAS DR # C, C
City	PANAMA CITY BEACH
State	FL
Zip	32408-3815
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	PCB22
Legal Description	36 3S 16W -56.2- 47D4 - COM INT S R/W LI THOMAS DR & E LI OF SW1/4 OF SE1/4 TH
Legal Range	16W
Legal Township	03S
Legal Section	36
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	2
Census Block	2006
Census Tract	2713

Owner

9949 Thomas Dr, #C is owned by a company that bought it in November 1985 and is owner-occupied.

Source: Bay County records, as of January 23, 2026

Owner of Record	Company Name on File
Mailing Address	9949 THOMAS DR, PANAMA CITY BEACH, FL 32408-3815
Occupancy	Owner Occupied
Owner Type	Company

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

Date	Document
May 7, 2020	Deed of Trust, Construction Loan · Construction Mortgage TRUSTMARK NAT'L BK
Jun 3, 2019	Loan Modification, Mortgage TRUSTMARK NAT'L BK
May 18, 2018	Loan Modification, Mortgage
May 18, 2018	Loan Modification, Mortgage TRUSTMARK NAT'L BK
May 24, 2017	Loan Modification, Mortgage TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 1985 · Amount on File
Deed Sale	Nov 20, 1985 · Amount on File
Deed Document Number	0010551389
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	May 7, 2020
Property Address	9949 THOMAS DR # C, C, PANAMA CITY BEACH, FL 32408-3815
Document Number	0042491868
Book / Page	004249 / 001868
Instrument Date	Apr 23, 2020
Instrument	30296
Transaction Type	Construction Loan
Record Updated	May 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	222 JOHNSON BAYOU DR PANAMA CITY FL 324072543, PANAMA CITY, FL 32407-2543

Mortgage

Document Number	42491868
Date	May 7, 2020
Book Page	004249/001868
Instrument	30296

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY, FL 32401

Agreement

Type	Construction Mortgage
Term	12 Months
Due	May 6, 2021

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	9949 THOMAS DR # C, C, PANAMA CITY BEACH, FL 32408-3815
Document Number	0041361126
Instrument Date	Jun 3, 2019
Transaction Type	Mortgage
Record Updated	Jul 15, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9949 THOMAS DR PANAMA CITY BEACH FL 324083815, PANAMA CITY BEACH, FL 32408-3815

Mortgage

Document Number	0041361126
Date	Jun 20, 2019
Book Page	004136/001126
Instrument	57525

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY BEACH, FL 32408

Agreement

Term	12 Months
Due	Jun 19, 2020

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	9949 THOMAS DR # C, C, PANAMA CITY BEACH, FL 32408-3815
Document Number	0040091837
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9949 THOMAS DR PANAMA CITY BEACH FL 324083815, PANAMA CITY BEACH, FL 32408-3815

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	9949 THOMAS DR # C, C, PANAMA CITY BEACH, FL 32408-3815
Document Number	0040091165
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9949 THOMAS DR PANAMA CITY BEACH FL 324083815, PANAMA CITY BEACH, FL 32408-3815

Mortgage

Document Number	0040091165
Date	May 18, 2018
Book Page	004009/001165
Instrument	29461

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY BEACH, FL 32401

Agreement

Term	36 Months
Due	May 17, 2021

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	9949 THOMAS DR # C, C, PANAMA CITY BEACH, FL 32408-3815
Document Number	0039130159
Book / Page	003913 / 000159
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 19129 PANAMA CITY FL 324171029, PANAMA CITY, FL 32417-1029

Mortgage

Document Number	0039130159
Date	Jun 27, 2017
Book Page	003913/000159
Instrument	36228

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY BEACH, FL 32408

Agreement

Term	12 Months
Due	Jun 26, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 9949 Thomas Dr, #C was $7,144.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City Beach
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,144.00	$654,648 Land $569,232 Building $85,416	$654,648 Land $569,232 Building $85,416
2023	$7,310.00 (+11.13%)	$658,111 (-1.42%) Land $569,232 Building $88,879	$658,111 (-1.42%) Land $569,232 Building $88,879
2022	$6,578.00	$667,569 Land $569,232 Building $98,337	$667,569 Land $569,232 Building $98,337

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

Flood

FEMA maps place 9949 Thomas Dr, #C in Zone X, an area of moderate flood risk, though there have been 10 flood claims nearby since 2013.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 122 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2,228 units insured incl. 2,106 condo units
Nearby Flood Claims	10 (2013–2024)
Claims Outside the SFHA	1 of 10
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 5 claims Severe Storms And Flooding, Jul 2013 · 3 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

The area around 9949 Thomas Dr, #C 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.

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 112 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	2,000 / 200
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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