Bay County property record for 103 E 13th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,198 sqft · built 1927 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $842 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 18330-000-000 |
| Primary APN | 18330-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,198 sqft Heated Area |
| Gross Area | 1,402 sqft |
| 1st Floor Area | 1,198 sqft |
| Interior Walls | Wood |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,498 sqft (0.241 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| Garage Type | Carport |
| Garage Area | 560 sqft |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 680 sqft |
| Porch | Porch |
| Porch Area | 288 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Radiant |
| Street Address | 103 E 13TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC09 |
| Legal Description | WASHINGTON HEIGHTS W 70' OF LOTS 1 TO 6 BLK 5 ORB 4703 P 2350 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 05 |
| Legal Subdivision | WASHINGTON HEIGHTS |
| Legal Block | 5 |
| Legal Lot Number | 1-6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2000 |
103 E 13th St is owned and occupied by an individual who acquired it in June 2023.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 E 13TH ST, PANAMA CITY, FL 32401-2804 |
| 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 Sale | Jun 27, 2023 |
| Deed Sale | Jun 27, 2023 |
| Deed Document Number | 0047032350 |
| Prior Transfer Date | Feb 14, 2008 |
| Prior Transfer Doc | 2008-008566 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 103 E 13th St was $842.
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 | $842.00 | $53,349 Land $22,400 Building $30,949 | $53,349 Land $22,400 Building $30,949 |
| 2023 | $959.00 (+139.75%) | $45,317 (+25.02%) Land $18,900 Building $26,417 | $45,317 (+20.56%) Land $18,900 Building $26,417 |
| 2022 | $400.00 Homeowner's exemption | $36,249 | $37,589 Land $14,070 Building $23,519 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 E 13th St in Zone X, an area of minimal flood risk, though there have been 93 flood claims nearby since 1984.
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 47 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 93 (1984–2020) |
| Claims Outside the SFHA | 64 of 93 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
The area around 103 E 13th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 253 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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