1004 E 26th St, Panama City, FL 32405 Property Records

Bay County property record for 1004 E 26th St, Panama City, FL 32405

Property Summary

Property Type	Vacant Land
Details	3 bd · 2 ba · 1,064 sqft · built 1994
Lot Size	0.319 acres (13,895 sqft)
Owner	Individual Name on File
Last Sale	$30,000 (Jul 2026)
Tax Bill	$465 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12904-000-000`

Property Details

APN / Parcel Number

Primary APN	`12904-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Living Area
Gross Area	1,444 sqft
1st Floor Area	1,064 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,895 sqft (0.319 acres)
Lot Dimensions	130 ft deep x 107 ft wide
Porch	Unfinished Open Porch
Porch Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1004 E 26TH ST
City	PANAMA CITY
State	FL
Zip	32405-5102
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	R2
Legal Description	28 3S 14W -47- 104B ST A B DEV CO PLAT W 107 LOT 81 LESS S 200 SUBJ TO UTIL ESMT OR2804 P2348 ORB 2432 P 238
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST A B DEV CO PLAT
Legal Lot Number	81
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3024
Census Tract	1302

Owner

1004 E 26th St, vacant land, is owned and occupied by an individual who bought it in July 2026.

Source: Bay County records, as of August 4, 2026

Owner of Record	Individual Name on File
Mailing Address	1004 E 26TH ST, PANAMA CITY, FL 32405-5102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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 15, 2026 · Amount on File
Deed Sale	Jul 15, 2026 · Amount on File
Prior Sale	Apr 28, 2004 · Amount on File
Deed Document Number	202642656
Deed Book / Page	5056 / 232
Prior Transfer Date	Mar 22, 2004
Prior Transfer Doc	0024320238
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 15, 2026
Property Address	1004 E 26TH ST, PANAMA CITY, FL 32405-5102
Document Number	0000042656
Book / Page	5056 / 232
Instrument Date	Jul 14, 2026
Instrument	202642656
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	MTI TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,210.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 E 26TH ST, PANAMA CITY, FL 32405-5102

Mortgage

Document Number	0000042657,
Date	Jul 15, 2026
Book Page	5056/234
Instrument	202642657

Lender

Name	CHRISTENSEN MORTGAGE
Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	120 Months
Due	Jul 15, 2036

Interest

Rate	8%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1004 E 26th St was $465, up 12.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$465.00 (+12.86%)	$35,001	$41,088 Land $41,088
2024	$412.00 (+10.75%)
2023	$372.00 (+22.77%)	$30,817 (+17.19%) Land $30,816 Building $1	$30,817 (+17.19%) Land $30,816 Building $1
2022	$303.00	$26,297 Land $26,296 Building $1	$26,297 Land $26,296 Building $1

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

Flood

FEMA maps place 1004 E 26th 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
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	21 (1998–2018)
Claims Outside the SFHA	6 of 21
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 11 claims Severe Storms And Flooding, Jul 2013 · 2 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 1004 E 26th St is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.08% 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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	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