Bay County property record for 1023 E 8th St, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2 bd · 1 ba |
| Lot Size | 0.367 acres (15,987 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $110,000 (Mar 2024) |
| Tax Bill | $1,262 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Mar 2024 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16601-000-000 |
| Primary APN | 16601-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Lot Area | 15,987 sqft (0.367 acres) |
|---|---|
| Lot Dimensions | 200 ft deep x 80 ft wide |
| Street Address | 1023 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3594 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PC03 |
| Legal Description | 4 4S 14W -140- 69A BEG 580' E OF SE COR OF L-18 B-18GLENWOOD ADD TH E 80' N 200' W 80' S |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | GLENWOOD |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 1600 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1023 E 8TH ST, PANAMA CITY, FL 32401-3594 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2024 | Deed of Trust, Mortgage · Conventional Mortgage INNOVATIONS FINANCIAL CU |
| Mar 1, 2024 | Warranty Deed, Transfer SETCO SERVICES LLC |
| May 10, 2023 | Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2024 · Amount on Record |
| Deed Sale | Mar 1, 2024 · Amount on Record |
| Prior Sale | May 10, 2023 · Amount on Record |
| Deed Document Number | 2024011817 |
| Deed Book / Page | 4778 / 1754 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1023 E 8TH ST, PANAMA CITY, FL 32401-3594 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 900 CLARA AVE 3101, 3101, PANAMA CITY BEACH, FL 32407-2947 |
| Document Number | 0047982094 |
|---|---|
| Date | May 3, 2024 |
| Book Page | 4798/2094 |
| Instrument | 2024026105 |
| Name | INNOVATIONS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32408 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jun 26, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 1, 2024 |
| Property Address | 1023 E 8TH ST, PANAMA CITY, FL 32401-3594 |
| Document Number | 0047781754 |
| Book / Page | 4778 / 1754 |
| Instrument Date | Feb 28, 2024 |
| Instrument | 2024011817 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $770.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 MANISTEE DR, PANAMA CITY BEACH, FL 32413-5216 |
| Name | Verified Name |
|---|---|
| Address | 900 CLARA AVE APT 3101, 3101, PANAMA CITY BEACH, FL 32407-2947 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 10, 2023 |
| Property Address | 1023 E 8TH ST, PANAMA CITY, FL 32401-3594 |
| Document Number | 0046871107 |
| Book / Page | 4687 / 1107 |
| Instrument Date | May 9, 2023 |
| Instrument | 2023028981 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB |
| Amount | Amount Recorded |
|---|---|
| Tax | $315.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2202 STATE AVE STE 201, 201, PANAMA CITY, FL 32405-4582 |
| Name | Verified Name |
|---|---|
| Address | 110 MANISTEE DR, PANAMA CITY BEACH, FL 32413-5216 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,262.00 (+135.45%) | $79,920 (+277.55%) Land $79,920 | $79,920 (+277.55%) Land $79,920 |
| 2023 | $536.00 (+6.14%) | $21,168 (+6.06%) Land $21,168 | $21,168 (+6.06%) Land $21,168 |
| 2022 | $505.00 | $19,958 Land $19,958 | $19,958 Land $19,958 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 6 (1995–2023) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2023 |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 322 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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