1005 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 1005 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,857 sqft · built 1954
Lot Size	0.314 acres (13,721 sqft)
Owner	Company Name on Record
Last Sale	$385,000 (Jun 2024)
Tax Bill	$5,343 (2025)
Deeds & Mortgages	Mar 2022 Sale Apr 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22069-000-000`

Property Details

APN / Parcel Number

Primary APN	`22069-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,857 sqft Heated Area
Gross Area	2,477 sqft
1st Floor Area	1,857 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,721 sqft (0.314 acres)
Lot Dimensions	125 ft deep x 110 ft wide
Porch	Porch
Porch Area	280 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1005 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 11 & S 35' LOT 12 BLK H ORB 4812 P 464
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	H
Legal Lot Number	11,12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2016
Census Tract	1900

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	1908 DEWITT ST, PANAMA CITY, FL 32401-4049
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Warranty Deed, Transfer COASTAL TITLE AND ESCROW, COASTAL TITLE & ESCROW
Apr 4, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Aug 1, 2017	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Feb 27, 2017	Warranty Deed, Transfer EVERITT REESE J TRUST (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2024 · Amount on Record
Deed Sale	Jun 17, 2024 · Amount on Record
Prior Sale	Mar 18, 2022 · Amount on Record
Deed Document Number	0004812464
Deed Book / Page	4812 / 464
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 18, 2022
Property Address	1005 E 2ND CT, PANAMA CITY, FL 32401-3831
Document Number	0045381857
Book / Page	4538 / 1857
Map Reference	MB 7 PG 60
Instrument Date	Mar 18, 2022
Instrument	2022020302
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	COASTAL TITLE AND ESCROW, COASTAL TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$2,436.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 65, PANAMA CITY, FL 32402-0065

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1005 E 2ND CT, PANAMA CITY, FL 32401-3831

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 4, 2019
Property Address	1005 E 2ND CT, PANAMA CITY, FL 32401-3831
Document Number	0041082002
Book / Page	4108 / 2002
Map Reference	MB 7 PG 60
Instrument Date	Apr 3, 2019
Instrument	2019034731
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SOUTH OAK TITLE 30A LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,557.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 E 2ND CT, 1005, PANAMA CITY, FL 32401-3831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 65, PANAMA CITY, FL 32402-0065

Mortgage

Document Number	2019034732
Date	Apr 4, 2019
Instrument	2019034732

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	305 Months
Due	Sep 27, 2044

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 1, 2017
Property Address	1005 E 2ND CT, PANAMA CITY, FL 32401-3831
Document Number	0039230866
Book / Page	3923 / 0866
Map Reference	MB7 PG60
Instrument Date	Jul 28, 2017
Instrument	2017043391
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	227 S COVE TERRACE DR, 227, PANAMA CITY, FL 32401-4038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 E 2ND CT, PANAMA CITY, FL 32401-3831

Mortgage

Document Number	2017043392
Date	Aug 1, 2017
Instrument	2017043392

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2032

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 27, 2017
Property Address	1005 E 2ND CT, PANAMA CITY, FL 32401-3831
Document Number	0038771139
Book / Page	003877 / 001139
Instrument Date	Feb 24, 2017
Instrument	10853
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 S COVE TERRACE DR PANAMA CITY FL 324014038, PANAMA CITY, FL 32401-4038

Mortgage

Document Number	38771144
Date	Feb 27, 2017
Book Page	003877/001144
Instrument	10854

Lender

Name	EVERITT REESE J TRUST (PT)
Address	629 BAYWOOD DR, LYNN HAVEN, FL 32444-4402

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,343.00 (+2.12%)	$338,317 (+12.97%) Land $71,863 Building $266,454	$338,317 (+12.97%) Land $71,863 Building $266,454
2023	$5,232.00 (+42.41%)	$299,477 (+39.76%) Land $62,040 Building $237,437	$299,477 (+39.76%) Land $62,040 Building $237,437
2022	$3,674.00	$214,283 Land $53,871 Building $160,412	$214,283 Land $53,871 Building $160,412

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 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.

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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