Bay County · Foreclosure · Tuesday, November 10 · 11:00 AM CT

107 FOSSIL FALLS, PANAMA CITY BEACH, FL 32407

Scheduledfirst seen Nov 3, 2026 · last read in the last hour

Opening bid

not published

Appraiser's value

$281,903

Assessed value $273,843

Bid vs value

n/a

Sold for

not yet

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Open on the county site Property appraiser record Request this judgment Open the court case Watch this parcel Run the bid math

Aerial view of 107 FOSSIL FALLS, PANAMA CITY BEACH, FL 32407

Aerial, USGS

The score, and why

Four things about the record, weighted, with the reason for each. It says nothing about the house itself.

Pro

Not scored yet. Scores are written after each nightly read.

ZIP 32407: rent and home value

Area numbers from Zillow. Asking rent across houses, condos and apartments together; the typical home value in the middle of the market. Neither is this parcel.

Pro

Source: Zillow Research, ZHVI and ZORI · As of July 2026

The deal memo

About 250 words in plain language: what this is, the math, what nobody knows yet, and what to check before you bid. Written from the record and the ZIP numbers, never from a guess about the house.

Memos are on Pro

What the appraiser's roll says

Use: Single family home
Living area: 2,270 sqft
Year built: 2017
Land: 3,093 sqft (0.07 acres)
Just value: $281,903
Land value: $26,931
Homestead: No
Roll address: 107 FOSSIL FALLS, PANAMA CITY BEACH

Source: Florida Department of Revenue, 2026 final roll · Just value is the appraiser's market estimate as of January 1.

The record

Auction Starts: 11/10/2026 11:00 AM CT
Case #: 26000103CA
Final judgment amount: $367,235.27
Parcel ID: 34025-131-000
Property address: 107 FOSSIL FALLS, PANAMA CITY BEACH, FL 32407
Assessed value: $273,843.00
Plaintiff max bid: $367,235.27
Auction type: FORECLOSURE

Source: Bay County Clerk · As of Nov 3, 2026

Liens and deeds

Florida foreclosure facts: the owner can redeem until the clerk files the certificate of sale, usually the day of or after the auction. The sale wipes out liens junior to the one foreclosed and nothing senior; a first mortgage survives an association foreclosure. Bidders take title subject to whatever survives.

The final judgment in this case is $367,235.

Deeds, mortgages, liens and releases are on the county clerk's official records. Search by the address and by the owner's name from the appraiser record. A mortgage with no release after it is a mortgage still on the house.

Owner contact and a mortgage and lien check are on the Investor plan, 50 of each a month.

Want it done for you? Order a title report from a title company, priced in writing before any work starts.

New homes in the county

1,911

housing units permitted in Bay County in the 12 months through Sep 30, 2026, down 10 percent on the year before. Building nearby tends to follow demand; it is a county number, not this street.

Source: U.S. Census Bureau, Building Permits Survey · As of Sep 30, 2026

Before you bid

The owner can pay up and cancel this sale right until the county takes the winner's money. In Florida there is no getting the house back after that.
A foreclosure sale only wipes out liens junior to the one being foreclosed. A first mortgage can survive an HOA sale. Pull the title before you bid.
Nobody has been inside. Drive by. Assume repairs.
Read the county's deposit and payment rules. Most want a deposit to register and full payment within a day.

How a Florida sale works

Changes

Nov 3, 2026 first seen on the county list