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1011 E 14th St, Panama City, FL 32401 Property Records

Bay County property record for 1011 E 14th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,210 sqft · built 1940
Lot Size0.128 acres (5,576 sqft)
OwnerIndividual Name on File
Last Sale$168,000 (May 2025)
Tax Bill$1,883 (2025)
Deeds & MortgagesDec 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN16794-000-000

Property Details

APN / Parcel Number

Primary APN16794-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,210 sqft Heated Area
1st Floor Area1,210 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 2010
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,576 sqft (0.128 acres)
Lot Dimensions140 ft deep x 40 ft wide
Deck Area25 sqft
Patio Area25 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1011 E 14TH ST
CityPANAMA CITY
StateFL
Zip32401-3306
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal DescriptionLOUIS TRACT LOT 25 BLK 4 ORB 4912 P 714
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionLOUIS TRACT
Legal Block4
Legal Lot Number25
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3014
Census Tract1600

Owner

1011 E 14th St is owned and occupied by an individual who bought it in May 2025.

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

Owner of RecordIndividual Name on File
Mailing Address1011 E 14TH ST, PANAMA CITY, FL 32401-3306
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleMay 13, 2025 · Amount on File
Deed SaleMay 13, 2025 · Amount on File
Prior SaleSep 30, 2024 · Amount on File
Deed Document Number2025026566
Deed Book / Page4912 / 714
Record UpdatedJun 8, 2026

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address1011 E 14TH ST, PANAMA CITY, FL 32401-3306
Document Number0041190246
Instrument DateDec 13, 2018
Transaction TypeMortgage
Record UpdatedJun 3, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1011 E 14TH ST PANAMA CITY FL 324013306, PANAMA CITY, FL 32401-3306

Mortgage

Document Number0041190246
DateMay 2, 2019
Book Page004119/000246
Instrument43497
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35203
Agreement
AmountAmount on Record
Term360 Months
DueMay 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1011 E 14th St was $1,883, up 246.8% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,883.00 (+246.78%)$119,226 (+634.01%) Land $12,544 Building $106,682$119,226 (+634.01%) Land $12,544 Building $106,682
2024$543.00 (+25.99%)$16,243 (+7.33%) Land $11,760 Building $4,483$16,243 (+7.33%) Land $11,760 Building $4,483
2023$431.00 (+7.75%)$15,134 (+21.98%) Land $10,584 Building $4,550$15,134 (+21.98%) Land $10,584 Building $4,550
2022$400.00$12,407 Land $7,879 Building $4,528$12,407 Land $7,879 Building $4,528

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 1011 E 14th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1995)
Most Recent ClaimOct 1995 · Hurricane Opal

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 1011 E 14th St is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 172 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: Verizon.

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