1008 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 1008 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,840 sqft · built 1950
Lot Size	0.378 acres (16,466 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Apr 2024)
Tax Bill	$3,471 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21987-000-000`

Property Details

APN / Parcel Number

Primary APN	`21987-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,840 sqft Heated Area
Gross Area	2,209 sqft
1st Floor Area	1,840 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	16,466 sqft (0.378 acres)
Lot Dimensions	160 ft deep x 103 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	828 sqft
Porch	Porch
Porch Area	369 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1008 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD. LOT 1 BLK C ORB 4791 P 670
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	C
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2014
Census Tract	1900

Owner

1008 E 2nd Pl is owned and occupied by an individual who bought it in April 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1008 E 2ND PL, PANAMA CITY, FL 32401-3840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · VA Mortgage BAYWAY MORTGAGE GROUP
Apr 10, 2024	Warranty Deed, Transfer · VA Mortgage BAYWAY MORTGAGE GROUP
Jun 8, 2022	Warranty Deed, Transfer · Commercial Mortgage DKCLENDING LLC
Feb 24, 2020	Warranty Deed, Transfer · Construction Mortgage RCN CAP
Sep 26, 2017	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2024 · Amount on File
Deed Sale	Apr 10, 2024 · Amount on File
Prior Sale	Jun 8, 2022 · Amount on File
Deed Document Number	2024020652
Deed Book / Page	4791 / 670
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1008 E 2ND PL, PANAMA CITY, FL 32401-3840
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 E 2ND PL, PANAMA CITY, FL 32401-3840

Mortgage

Document Number	0050040239
Date	Feb 20, 2026
Book Page	5004/239
Instrument	2026010323

Lender

Name	BAYWAY MORTGAGE GROUP
Type	Mortgage Company
Address	JACKSONVILLE, FL 32216

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 10, 2024
Property Address	1008 E 2ND PL, PANAMA CITY, FL 32401-3840
Document Number	0047910670
Book / Page	4791 / 670
Map Reference	MB 7 PG 60
Instrument Date	Apr 5, 2024
Instrument	2024020652
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	FLORIDA LEGAL TITLE LLC, FLORIDA LEGACY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1435 ALLEGHENY AVE, PANAMA CITY, FL 32404-5851

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1530 EAST ENRIL DRIVE, PHOENIX, AZ 85014

Mortgage

Document Number	0004791672
Date	Apr 10, 2024
Instrument	4791/672

Lender

Name	BAYWAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 8, 2022
Property Address	1008 E 2ND PL, PANAMA CITY, FL 32401-3840
Document Number	0045731762
Book / Page	4573 / 1762
Map Reference	MB 7 PG 60
Instrument Date	Jun 6, 2022
Instrument	2022043076
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1110 BRICKELL AVE STE 607, 1110, MIAMI, FL 33131-3136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 ALLEGHENY AVE, PANAMA CITY, FL 32404-5851

Mortgage

Document Number	0045731764
Date	Jun 8, 2022
Instrument	4573/1764

Lender

Name	DKCLENDING LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 24, 2020
Property Address	1008 E 2ND PL, PANAMA CITY, FL 32401-3840
Document Number	0042242217
Book / Page	004224 / 002217
Instrument Date	Feb 14, 2020
Instrument	13854
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$735.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1110 BRICKELL AVE MIAMI FL 331313132, MIAMI, FL 33131-3132

Mortgage

Document Number	42242219
Date	Feb 24, 2020
Book Page	004224/002219
Instrument	13855

Lender

Name	RCN CAP
Type	Funding / Finance Company
Address	SOUTH WINDSOR, CT 06074

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 23, 2021

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 26, 2017
Property Address	1008 E 2ND PL, PANAMA CITY, FL 32401-3840
Document Number	0039392378
Book / Page	003939 / 002378
Instrument Date	Sep 25, 2017
Instrument	55080
Transaction Type	Transfer
Record Updated	Oct 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 E 2ND PL PANAMA CITY FL 324013840, PANAMA CITY, FL 32401-3840

Mortgage

Document Number	39392380
Date	Sep 26, 2017
Book Page	003939/002380
Instrument	55081

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1008 E 2nd Pl was $3,471 with a homeowner's exemption, down 32.2% from the year before.

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	$3,471.00 (-32.19%) Homeowner's exemption	$261,854 (-14.32%) Land $73,733 Building $188,121	$261,854 (-14.32%) Land $73,733 Building $188,121
2024	$5,119.00 (-8.38%)	$305,613 (-6.95%) Land $73,732 Building $231,881	$305,613 (-6.95%) Land $73,732 Building $231,881
2023	$5,587.00 (+173.87%)	$328,450 (+119.39%) Land $63,654 Building $264,796	$328,450 (+119.39%) Land $63,654 Building $264,796
2022	$2,040.00	$149,713 Land $55,272 Building $94,441	$149,713 Land $55,272 Building $94,441

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1008 E 2nd Pl 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 1008 E 2nd Pl 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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