1003 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 1003 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,211 sqft · built 1952
Lot Size	0.223 acres (9,714 sqft)
Owner	Owner Name on File
Last Sale	$95,000 (Jul 2003)
Tax Bill	$693 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22068-000-000`

Property Details

APN / Parcel Number

Primary APN	`22068-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,211 sqft Heated Area
Gross Area	1,971 sqft
1st Floor Area	1,211 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1992
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide

Exterior Amenities

Porch	Porch
Porch Area	452 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1003 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD. LOT 10 BLK H ORB 1501 P 1686
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	H
Legal Lot Number	10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2016
Census Tract	1900

Owner

The current owner of 1003 E 2nd Ct bought it in July 2003.

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

Owner of Record	Owner Name on File
Mailing Address	1003 E 2ND CT, PANAMA CITY, FL 32401-3831
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2003 · Amount on File
Deed Sale	Jul 1, 2003 · Amount on File
Prior Sale	Jun 7, 2001 · Amount on File
Deed Document Number	2003-046442
Deed Book / Page	2301 / 0150
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1003 E 2ND CT, PANAMA CITY, FL 32401-3831
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 E 2ND CT, PANAMA CITY, FL 32401-3831

Mortgage

Document Number	0042992054
Date	Sep 21, 2020
Book Page	4299/2054
Instrument	2020061306

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1003 E 2nd Ct was $693 with a homeowner's exemption.

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	$693.00 Homeowner's exemption	$85,943	$169,161 Land $50,040 Building $119,121
2023	$888.00 (-2.84%) Homeowner's exemption	$81,088 (+3%)	$137,294 (+11.48%) Land $43,200 Building $94,094
2022	$914.00 Homeowner's exemption	$78,726	$123,156 Land $37,512 Building $85,644

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

Flood

FEMA maps place 1003 E 2nd Ct 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 1003 E 2nd Ct 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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