1000 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 1000 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,539 sqft · built 1952
Lot Size	0.217 acres (9,496 sqft)
Owner	2 Owner Names on Record
Last Sale	$179,900 (Sep 2007)
Tax Bill	$326 (2023)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22001-000-000`

Property Details

APN / Parcel Number

Primary APN	`22001-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,539 sqft Heated Area
Gross Area	2,000 sqft
1st Floor Area	1,479 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2012
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,496 sqft (0.217 acres)
Lot Dimensions	125 ft deep x 76 ft wide
Driveway	Driveway
Driveway Area	864 sqft

Exterior Amenities

Porch	Porch
Porch Area	28 sqft
Deck Area	176 sqft
Patio Area	514 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1000 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD LOT 11 BLK D ORB 2013 P 2356 ORB 2371
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	D
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2014
Census Tract	1900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	1000 E 2ND PL, PANAMA CITY, FL 32401-3840
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2007 · Amount on Record
Deed Sale	Sep 19, 2007 · Amount on Record
Prior Sale	Dec 4, 2003 · Amount on Record
Deed Document Number	2007-064391
Deed Book / Page	2975 / 2009
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1000 E 2ND PL, PANAMA CITY, FL 32401-3840
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045921426
Date	Jul 28, 2022
Book Page	4592/1426
Instrument	2022055877

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1000 E 2ND PL, PANAMA CITY, FL 32401-3840
Document Number	0042271922
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1000 E 2ND PL PANAMA CITY FL 324013840, PANAMA CITY, FL 32401-3840

Mortgage

Document Number	0042271922
Date	Mar 2, 2020
Book Page	004227/001922
Instrument	15897

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$98,530 (+5.99%)	$219,951 (+20.8%) Land $48,998 Building $170,953
2023	$326.00 (-22.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$92,964 (+3%)	$182,072 (+9.91%) Land $42,300 Building $139,772
2022	$418.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$90,256	$165,661 Land $36,730 Building $128,931

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

Flood

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 Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 437 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

May also be available: AT&T.

Nearby Properties on E 2nd Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures