1031 E 11th St, Panama City, FL 32401 Property Records

Bay County property record for 1031 E 11th St, Panama City, FL 32401

Property Summary

Property Type	Vacant Land
Lot Size	1.21 acres (52,794 sqft)
Owner	Company Name on File
Last Sale	$45,000 (Nov 2022)
Tax Bill	$790 (2025)
Deeds & Mortgages	Jun 2026 Construction Loan Nov 2022 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`16510-000-000`

Property Details

APN / Parcel Number

Primary APN	`16510-000-000`

Exterior

Lot Area	52,794 sqft (1.21 acres)
Lot Dimensions	330 ft deep x 160 ft wide

Location & Zoning

Street Address	1031 E 11TH ST
City	PANAMA CITY
State	FL
Zip	32401-3463
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	PC04
Legal Description	4 4S 14W -49- BEG 160 W OF SE COR SW1/4 OF SE1/4 OF NE1/4 TH N 330 E 160 S 330 W 160 TO POB ORB 4631 P 477
Legal Range	14W
Legal Township	04S
Legal Section	04
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2009
Census Tract	1700

Owner

1031 E 11th St, vacant land, is owned by a company that bought it in November 2022.

Source: Bay County records, as of June 19, 2026

Owner of Record	Company Name on File
Mailing Address	301 GENEVA AVE, PANAMA CITY BEACH, FL 32407-2942
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Construction Mortgage SOUTHEAST FIRST NATIONAL BANK
Nov 16, 2022	Warranty Deed, Transfer FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES
Jul 22, 2022	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Jul 25, 2018	Grant Deed, Transfer
Aug 28, 2018	Tax Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2022 · Amount on File
Deed Sale	Nov 16, 2022 · Amount on File
Prior Sale	Jul 22, 2022 · Amount on File
Deed Document Number	202282796
Deed Book / Page	4631 / 477
Prior Transfer Date	Jul 25, 2018
Prior Transfer Doc	0040310366
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Jun 1, 2026
Property Address	1031 E 11TH ST, PANAMA CITY, FL 32401-3463
Document Number	0050400633
Book / Page	5040 / 633
Instrument Date	May 28, 2026
Instrument	202632752
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	104 SUMMERWOOD DR, PANAMA CITY BEACH, FL 32413-5723

Mortgage

Document Number	0000032752,
Date	Jun 1, 2026
Book Page	5040/633
Instrument	202632752

Lender

Name	SOUTHEAST FIRST NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Balloon
Rate	6.3%
Initial Type	Balloon
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 16, 2022
Property Address	1031 E 11TH ST, PANAMA CITY, FL 32401-3463
Document Number	0046310477
Book / Page	4631 / 477
Instrument Date	Nov 4, 2022
Instrument	2022082796
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES

Transaction

Amount	Amount on Record
Tax	$315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 COUNTY ROAD 459, CORINTH, MS 38834-6840

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 GENEVA AVE, PANAMA CITY BEACH, FL 32407-2942

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 22, 2022
Property Address	1031 E 11TH ST, PANAMA CITY, FL 32401-3463
Document Number	0045910131
Book / Page	4591 / 131
Instrument Date	Jul 22, 2022
Instrument	2022054771
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Tax	$349.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1912 ISABELLA AVE, 1912, PANAMA CITY, FL 32405-1527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 COUNTY ROAD 459, CORINTH, MS 38834-6840

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Jul 25, 2018
Property Address	1031 E 11TH ST, PANAMA CITY, FL 32401-3463
Document Number	0040310366
Book / Page	004031 / 000366
Instrument Date	Jul 25, 2018
Instrument	44137
Transaction Type	Transfer
Record Updated	Aug 2, 2018

Transaction

Amount	Amount on Record
Tax	$53.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 SATSUMA AVE PANAMA CITY FL 324014223, PANAMA CITY, FL 32401-4223

August 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	BAY FL
Recording Date	Aug 28, 2018
Property Address	1031 E 11TH ST, PANAMA CITY, FL 32401-3463
Document Number	0040421228
Book / Page	004042 / 001228
Instrument Date	Jun 1, 2016
Instrument	51872
Transaction Type	Foreclosure
Record Updated	Oct 9, 2018

Transaction

Amount	Amount on Record
Tax	$35.70
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 ISABELLA AVE PANAMA CITY FL 324051527, PANAMA CITY, FL 32405-1527

Tax Assessment & Valuation

The 2025 property tax bill for 1031 E 11th St was $790, up 4.1% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$790.00 (+4.08%)	$50,048 Land $50,048	$50,048 Land $50,048
2024	$759.00 (-12.96%)
2023	$872.00 (+14.74%)	$42,249 (+14.24%) Land $42,249	$42,249 (+14.24%) Land $42,249
2022	$760.00	$36,984 Land $36,984	$36,984 Land $36,984

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1031 E 11th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (1983–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Oct 2018 · Hurricane Michael

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 1031 E 11th St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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