Bay County property record for 1003 E 10th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 1995 |
| Lot Size | 0.221 acres (9,626 sqft) |
| Owner | Individual Name on File |
| Last Sale | $76,000 (Dec 2008) |
| Tax Bill | $574 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16540-010-000 |
| Primary APN | 16540-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,626 sqft (0.221 acres) |
| Lot Dimensions | 140 ft deep x 69 ft wide |
| Driveway | Driveway |
| Driveway Area | 780 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 136 sqft |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1003 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | 4 4S 14W -79.1- 69A BEG 129 E OF SE COR OF LOT 18 BLK 6 GLENWOOD ADD TH E 69 N 140 W 69 S 140 TO POB ORB 3061 P 1503 ORB 3117 P 2238 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | GLENWOOD ADD |
| Legal Block | 6 |
| Legal Lot Number | 18 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 1600 |
1003 E 10th St is owned and occupied by an individual who bought it in December 2008.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1003 E 10TH ST, PANAMA CITY, FL 32401-3449 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2008 · Amount on File |
| Deed Sale | Dec 30, 2008 · Amount on File |
| Prior Sale | Jun 24, 2008 |
| Deed Document Number | 200883359 |
| Deed Book / Page | 3117 / 2238 |
| Prior Transfer Date | Jun 1, 2004 |
| Prior Transfer Doc | 0000060201 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 1003 E 10th St was $574 with exemptions applied, down 17.3% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $574.00 (-17.29%) Homeowner's exemption Widower's exemption | $83,432 | $116,755 Land $21,638 Building $95,117 |
| 2024 | $694.00 (-8.2%) | ||
| 2023 | $756.00 (-11.79%) Homeowner's exemption Widower's exemption | $78,719 (+3%) | $101,667 (+13.04%) Land $18,257 Building $83,410 |
| 2022 | $857.00 Homeowner's exemption Widower's exemption | $76,426 | $89,937 Land $13,591 Building $76,346 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1003 E 10th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 6 (1995–2023) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2023 |
| Claims by Event |
|
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 risk around 1003 E 10th St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 355 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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