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

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,668 sqft · built 1952
Lot Size	0.223 acres (9,713 sqft)
Owner	2 Company Names on Record
Last Sale	$195,000 (Sep 2017)
Tax Bill	$3,283 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22044-000-000`

Property Details

APN / Parcel Number

Primary APN	`22044-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,668 sqft Living Area
1st Floor Area	1,668 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,713 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	441 sqft
Carport	Carport
Carport Area	441 sqft
Driveway	Driveway
Driveway Area	546 sqft
Pool Area	480 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1003 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 20 BLK G ORB 4455 P 2004
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	G
Legal Lot Number	20
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 January 5, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	825 N TURKEY CREEK RD, LEICESTER, NC 28748-5628
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 20, 2017	Quit Claim Deed, Transfer MTI TITLE INSURANCE AGENCY INC
Sep 20, 2017	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2017 · Amount on Record
Deed Sale	Sep 20, 2017 · Amount on Record
Prior Sale	Feb 17, 2017 · Amount on Record
Deed Document Number	201754012
Deed Book / Page	3938 / 1410
Last Transfer Date	Aug 27, 2021
Transfer Doc	0044552004
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Sep 2, 2021
Property Address	1003 E 2ND PL, PANAMA CITY, FL 32401-3839
Document Number	0044552004
Book / Page	4455 / 2004
Map Reference	MB 7 PG 60
Instrument Date	Aug 27, 2021
Instrument	2021067774
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	825 TURKEY CREEK RD, LEICESTER, NC 28748-7733

Mortgage

Document Number	0044552010
Date	Sep 2, 2021
Instrument	4455/2010

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 20, 2017
Property Address	1003 E 2ND PL, PANAMA CITY, FL 32401-3839
Document Number	0039381408
Book / Page	003938 / 001408
Instrument Date	Sep 18, 2017
Instrument	54011
Transaction Type	Transfer
Record Updated	Sep 29, 2017
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7205 THOMAS DR #E1404 PANAMA CITY BEACH FL 324088510, E1404, PANAMA CITY BEACH, FL 32408-8510

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 20, 2017
Property Address	1003 E 2ND PL, PANAMA CITY, FL 32401-3839
Document Number	0039381410
Book / Page	3938 / 1410
Map Reference	MB7 PG60
Instrument Date	Sep 18, 2017
Instrument	2017054012
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7205 THOMAS DR # DRE404, 7205, PANAMA CITY, FL 32408-7501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 N TURKEY CREEK RD, LEICESTER, NC 28748-5628

Mortgage

Document Number	2017054013
Date	Sep 20, 2017
Instrument	2017054013

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$3,283.00 (-1.74%)	$207,876 (+20.82%)	$208,013 (+20.9%) Land $50,040 Building $157,973
2024	$3,341.00 (+6.74%)
2023	$3,130.00 (+14.28%)	$172,057 (+10.17%) Land $43,200 Building $128,857	$172,057 (+10.17%) Land $43,200 Building $128,857
2022	$2,739.00	$156,180 Land $37,512 Building $118,668	$156,180 Land $37,512 Building $118,668

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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