Bay County property record for 1027 E 14th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,668 sqft · built 1996 |
| Lot Size | 0.257 acres (11,194 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,795 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16790-000-000 |
| Primary APN | 16790-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,668 sqft Living Area |
| 1st Floor Area | 1,524 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Wood |
| Roof Type | Wood Truss |
| Roof Material | Other |
| Lot Area | 11,194 sqft (0.257 acres) |
| Lot Dimensions | 140 ft deep x 80 ft wide |
| Garage Type | Carport |
| Garage Area | 260 sqft |
| Carport | Carport |
| Carport Area | 260 sqft |
| Driveway | Driveway |
| Driveway Area | 480 sqft |
| Porch | Open Porch |
| Porch Area | 258 sqft |
| Patio Area | 49 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1027 E 14TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | LOUIS TRACT LOTS 16 & 17 ORB 303 P 447 & ORB 112 P 294 BLK 4 ORB 2366 P 286 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | LOUIS |
| Legal Block | 4 |
| Legal Lot Number | 16,17 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 1600 |
1027 E 14th St is owned and occupied by an individual who acquired it in February 2025.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1027 E 14TH ST, PANAMA CITY, FL 32401-3306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
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 | Feb 2, 2025 |
| Transfer Doc | 0048810053 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 1027 E 14th St was $1,795, down 4.5% 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 | $1,795.00 (-4.52%) Homeowner's exemption | $155,702 | $193,681 Land $25,088 Building $168,593 |
| 2024 | $1,880.00 (-6.79%) | ||
| 2023 | $2,017.00 (+3.44%) Homeowner's exemption | $146,907 (+3%) | $168,463 (+12.1%) Land $21,168 Building $147,295 |
| 2022 | $1,950.00 Homeowner's exemption | $142,628 | $150,285 Land $15,758 Building $134,527 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1027 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 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 1027 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 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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