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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,028 sqft · built 1952
Lot Size	0.223 acres (9,713 sqft)
Owner	2 Company Names on Record
Last Sale	$67,500 (Dec 2019)
Tax Bill	$2,592 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`22045-000-000`

Property Details

APN / Parcel Number

Primary APN	`22045-000-000`
Alternative APN	`5757400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,028 sqft Living Area
1st Floor Area	1,028 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,713 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Driveway	Driveway
Porch	Florida Room
Porch Area	184 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1005 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 21 ORB 4357 P 1370 BLK G
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	G
Legal Lot Number	21
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
Feb 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 26, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Prior Sale	Mar 22, 2019 · Amount on Record
Deed Document Number	2019108544
Deed Book / Page	4205 / 545
Last Transfer Date	Aug 3, 2020
Transfer Doc	0043571370
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Feb 1, 2021
Property Address	1005 E 2ND PL, PANAMA CITY, FL 32401-3839
Document Number	0043571370
Book / Page	4357 / 1370
Map Reference	MB 7 PG 60
Instrument Date	Aug 3, 2020
Instrument	2021007182
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ACCOMODATION, ACCOMMODATION

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	Tenants in Common
Address	825 N TURKEY CREEK RD, LEICESTER, NC 28748-5628

Mortgage

Document Number	0043571375
Date	Feb 1, 2021
Instrument	4357/1375

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Sep 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 26, 2019
Property Address	1005 E 2ND PL, PANAMA CITY, FL 32401-3839
Document Number	0042050545
Book / Page	004205 / 000545
Instrument Date	Dec 26, 2019
Instrument	108544
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	825 N TURKEY CREEK RD LEICESTER NC 287485628, LEICESTER, NC 28748-5628

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	$2,592.00 (-3.79%)	$163,433 (+21%)	$165,531 (+22.55%) Land $50,040 Building $115,491
2024	$2,694.00 (+8.24%)
2023	$2,489.00 (+13.86%)	$135,068 (+9.95%) Land $43,200 Building $91,868	$135,068 (+9.95%) Land $43,200 Building $91,868
2022	$2,186.00	$122,850 Land $37,512 Building $85,338	$122,850 Land $37,512 Building $85,338

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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