Bay County property record for 1020 E 14th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,522 sqft · built 2020 |
| Lot Size | 0.257 acres (11,194 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $606 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16786-000-000 |
| Primary APN | 16786-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,522 sqft Living Area |
| Gross Area | 1,962 sqft |
| 1st Floor Area | 1,522 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,194 sqft (0.257 acres) |
| Lot Dimensions | 140 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 696 sqft |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1020 E 14TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | LOUIS TRACT LOTS 10,11 BLK 4 ORB 151 P 92 ORB 799 P 47 ORB 1237 P 1615 ORB 2980 P 958 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | LOUIS |
| Legal Tract | L |
| Legal Block | 4 |
| Legal Lot Number | 10,11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 1600 |
1020 E 14th Ct is owned and occupied by an individual who acquired it in October 2007.
Source: Bay County records, as of April 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1020 E 14TH CT, PANAMA CITY, FL 32401-3312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 2, 2007 |
| Transfer Doc | 0029800958 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1020 E 14TH CT, PANAMA CITY, FL 32401-3312 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1020 E 14TH CT, PANAMA CITY, FL 32401-3312 |
| Document Number | 0045992320 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | 4599/2320 |
| Instrument | 2022061110 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
The 2025 property tax bill for 1020 E 14th Ct was $606 with exemptions applied, down 16.3% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $606.00 (-16.3%) Homeowner's exemption Widower's exemption | $85,421 | $240,436 Land $25,088 Building $215,348 |
| 2024 | $724.00 (-22.9%) | ||
| 2023 | $939.00 (-9.45%) Homeowner's exemption Widower's exemption | $80,596 (+3%) | $207,405 (+11.14%) Land $21,168 Building $186,237 |
| 2022 | $1,037.00 Homeowner's exemption Widower's exemption | $78,249 | $186,618 Land $15,758 Building $170,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1020 E 14th Ct 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1995) |
| Most Recent Claim | Oct 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 risk around 1020 E 14th Ct is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 172 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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