1036 E 26th St, Panama City, FL 32405 Property Records

Bay County property record for 1036 E 26th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,104 sqft · built 1960
Lot Size	0.479 acres (20,865 sqft)
Owner	Individual Name on File
Last Sale	$221,500 (Oct 2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12900-000-000`

Property Details

APN / Parcel Number

Primary APN	`12900-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,000 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1970
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,865 sqft (0.479 acres)
Lot Dimensions	174 ft deep x 120 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Driveway	Driveway
Driveway Area	240 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	104 sqft
Deck Area	Deck Area
Patio Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1036 E 26TH ST
City	PANAMA CITY
State	FL
Zip	32405-5102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	28 3S 14W -43- ST A B DEV CO PLAT BEG NE COR LOT 81 TH S 174 W 120.5 N 174 E 120.5 TO POB ORB 3370 P 730
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST A B DEV CO PLAT
Legal Lot Number	81
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3024
Census Tract	1302

Owner

1036 E 26th St is owned and occupied by an individual who bought it in October 2025.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	1036 E 26TH ST, PANAMA CITY, FL 32405-5102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2025 · Amount on File
Deed Sale	Oct 6, 2025 · Amount on File
Prior Sale	Apr 22, 2005 · Amount on File
Deed Document Number	202557741
Deed Book / Page	4960 / 809
Prior Transfer Date	Aug 6, 2011
Prior Transfer Doc	0033700730
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 6, 2025
Property Address	1036 E 26TH ST, PANAMA CITY, FL 32405-5102
Document Number	0049600809
Book / Page	4960 / 809
Instrument Date	Oct 2, 2025
Instrument	2025057741
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	UNKNOWN, BLUE MARLIN TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1036 E 26TH ST, PANAMA CITY, FL 32405-5102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1036 E 26TH ST, PANAMA CITY, FL 32405-5102
Investor	Possibly a Property Investor

Mortgage

Document Number	0004960811
Date	Oct 6, 2025
Instrument	4960/811

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption	$89,345 (+2.9%)	$123,416 (+9.96%) Land $50,400 Building $73,016
2024	Homeowner's exemption Disabled Person's exemption	$86,827 (+3.1%)	$112,242 (+16.74%) Land $43,470 Building $68,772
2023	Homeowner's exemption Disabled Person's exemption	$84,215	$96,146 Land $37,800 Building $58,346

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1036 E 26th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	21 (1998–2018)
Claims Outside the SFHA	6 of 21
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 11 claims Severe Storms And Flooding, Jul 2013 · 2 claims

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 1036 E 26th 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20