1002 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 1002 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,556 sqft · built 1949
Lot Size	0.223 acres (9,713 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Mar 2021)
Tax Bill	$3,894 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22050-000-000`

Property Details

APN / Parcel Number

Primary APN	`22050-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	1,556 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1949
Effective Year Built	Effective 2019
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	9,713 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Driveway	Driveway
Driveway Area	1,320 sqft

Exterior Amenities

Pool Area	299 sqft
Porch	Open Porch
Porch Area	444 sqft
Deck Area	492 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1002 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD LOT 26 BLK G ORB 4370 P 1262
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	G
Legal Lot Number	26
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2015
Census Tract	1900

Owner

Source: Bay County records, as of April 30, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1002 E 2ND CT, PANAMA CITY, FL 32401-3832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 28, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 3, 2021	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2021 · Amount on Record
Deed Sale	Mar 3, 2021 · Amount on Record
Deed Document Number	202115061
Deed Book / Page	4370 / 1262
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1002 E 2ND CT, PANAMA CITY, FL 32401-3832
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 E 2ND CT, PANAMA CITY, FL 32401-3832

Mortgage

Document Number	0046521880
Date	Jan 31, 2023
Book Page	4652/1880
Instrument	2023005700

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1002 E 2ND CT, PANAMA CITY, FL 32401-3832
Transaction Type	Mortgage
Record Updated	Feb 10, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045162153
Date	Jan 28, 2022
Book Page	4516/2153
Instrument	2022006604

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 3, 2021
Property Address	1002 E 2ND CT, PANAMA CITY, FL 32401-3832
Document Number	0043701262
Book / Page	4370 / 1262
Map Reference	MB 7 PG 60
Instrument Date	Feb 23, 2021
Instrument	2021015061
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4612 SUNSET DR, 4612, PANAMA CITY, FL 32404-7343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SAGAMORE RD, WEYMOUTH, MA 02191-1551

Mortgage

Document Number	0043701264
Date	Mar 3, 2021
Instrument	4370/1264

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1002 E 2ND CT, PANAMA CITY, FL 32401-3832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 E 2NDCT, PANAMA CITY, FL 32401-3832

Mortgage

Document Number	0043031990
Date	Sep 29, 2020
Book Page	4303/1990
Instrument	2020063841

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	109 Months
Due	Oct 1, 2029

Tax Assessment & Valuation

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	$3,894.00 (-0.59%) Homeowner's exemption	$288,603 (+5.99%)	$328,649 (+20.69%) Land $50,040 Building $278,609
2024	$3,917.00 (-5.45%)
2023	$4,143.00 (+3.24%) Homeowner's exemption	$272,300 (+8.62%) Land $43,200 Building $229,100	$272,300 (+8.62%) Land $43,200 Building $229,100
2022	$4,013.00	$250,701 Land $37,512 Building $213,189	$250,701 Land $37,512 Building $213,189

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.

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