1001 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 1001 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,471 sqft · built 1952
Lot Size	0.223 acres (9,713 sqft)
Owner	Individual Name on File
Last Sale	$349,000 (Aug 2022)
Tax Bill	$5,014 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22043-000-000`

Property Details

APN / Parcel Number

Primary APN	`22043-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,471 sqft Living Area
1st Floor Area	1,471 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,713 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1001 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD LOT 19 BLK G ORB 4601 P 1033
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	G
Legal Lot Number	19
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2015
Census Tract	1900

Owner

1001 E 2nd Pl is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 7, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 22, 2022	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Dec 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage PEOPLESSOUTH BANK
Feb 3, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLESSOUTH BANK
Jun 2, 2020	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC
Mar 23, 2020	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2022 · Amount on File
Deed Sale	Aug 22, 2022 · Amount on File
Prior Sale	Jun 2, 2020 · Amount on File
Deed Document Number	202262218
Deed Book / Page	4601 / 1033
Prior Transfer Date	Dec 15, 2008
Prior Transfer Doc	0031171122
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839

Mortgage

Document Number	0047171315
Date	Aug 7, 2023
Book Page	4717/1315
Instrument	2023049529

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 22, 2022
Property Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839
Document Number	0046011033
Book / Page	4601 / 1033
Map Reference	MB 7 PG 60
Instrument Date	Aug 19, 2022
Instrument	2022062218
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,443.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 BUNKERS COVE RD, 606, PANAMA CITY, FL 32401-3918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839

Mortgage

Document Number	0046011035
Date	Aug 22, 2022
Instrument	4601/1035

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9713 SUMMER CREEK DR, PANAMA CITY, FL 32409-4158

Mortgage

Document Number	0044991331
Date	Dec 15, 2021
Book Page	4499/1331
Instrument	2021095038

Lender

Name	PEOPLESSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 9, 2041

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9713 SUMMER CREEK DR, PANAMA CITY, FL 32409-4158

Mortgage

Document Number	0043582029
Date	Feb 3, 2021
Book Page	4358/2029
Instrument	2021007872

Lender

Name	PEOPLESSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	8 Months
Due	Oct 2, 2021

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 2, 2020
Property Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839
Document Number	0042571424
Book / Page	004257 / 001424
Instrument Date	Jun 1, 2020
Instrument	35360
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9713 SUMMER CREEK DR PANAMA CITY FL 324094158, PANAMA CITY, FL 32409-4158

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 23, 2020
Property Address	1001 E 2ND PL, PANAMA CITY, FL 32401-3839
Document Number	0042351504
Book / Page	004235 / 001504
Instrument Date	Mar 19, 2020
Instrument	21363
Transaction Type	Transfer
Record Updated	Apr 16, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$154.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21001 S LAKEVIEW DR PANAMA CITY BEACH FL 324133440, PANAMA CITY BEACH, FL 32413-3440

Tax Assessment & Valuation

The 2025 property tax bill for 1001 E 2nd Pl was $5,014 with a homeowner's exemption, down 0.4% from the year before.

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

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	$5,014.00 (-0.38%) Homeowner's exemption	$359,505 Land $50,040 Building $309,465	$359,505 Land $50,040 Building $309,465
2024	$5,033.00 (-5.73%)
2023	$5,339.00 (+12.73%)	$295,685 (-2.03%) Land $43,200 Building $252,485	$295,685 (-2.03%) Land $43,200 Building $252,485
2022	$4,736.00	$301,807 Land $37,512 Building $264,295	$301,807 Land $37,512 Building $264,295

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

Flood

FEMA maps place 1001 E 2nd Pl in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1995.

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 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

Wildfire risk around 1001 E 2nd Pl is low, with less than a 0.01% annual chance of 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.

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