1036 E 7th Ct, Panama City, FL 32401 Property Records

Bay County property record for 1036 E 7th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,893 sqft · built 1976
Lot Size	0.293 acres (12,763 sqft)
Owner	Individual Name on Record
Tax Bill	$1,962 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit May 2023 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`16607-000-000`

Property Details

APN / Parcel Number

Primary APN	`16607-000-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,893 sqft Living Area
Gross Area	4,730 sqft
1st Floor Area	1,837 sqft
Basement Area	1,375 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,763 sqft (0.293 acres)
Lot Dimensions	160 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	1,620 sqft
Porch	Open Porch
Porch Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1036 E 7TH CT
City	PANAMA CITY
State	FL
Zip	32401-3524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	4 4S 14W -146- 69A BEG 710 E & 160 SWLY OF SE COR LOT 18 BLK 18 GLENWOOD ADD TH SELY 160 TO BAYOU SWLY 80 NWLY 160 NELY 80 TO BEG ORB 4686 P 596
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	GLENWOOD ADD
Legal Block	18
Legal Lot Number	18
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4000
Census Tract	1600

Owner

Source: Bay County records, as of March 6, 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
Mailing Address	1036 E 7TH CT, PANAMA CITY, FL 32401-3524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 5, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 13, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 5, 2023
Transfer Doc	0046860596
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1036 E 7TH CT, PANAMA CITY, FL 32401-3524
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 35094, PANAMA CITY, FL 32412-5094

Mortgage

Document Number	0047160817
Date	Aug 2, 2023
Book Page	4716/817
Instrument	2023048653

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jul 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	May 5, 2023
Property Address	1036 E 7TH CT, PANAMA CITY, FL 32401-3524
Document Number	0046860596
Book / Page	4686 / 596
Instrument Date	May 5, 2023
Instrument	2023028080
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1036 E 7TH CT, PANAMA CITY, FL 32401-3524

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1036 E 7TH CT, PANAMA CITY, FL 32401-3524

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Dec 13, 2022
Property Address	1036 E 7TH CT, PANAMA CITY, FL 32401-3524
Document Number	0046390591
Book / Page	4639 / 591
Instrument Date	Oct 17, 2022
Instrument	2022088167
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1036 E 7TH CT, PANAMA CITY, FL 32401-3524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1036 E 7TH CT, PANAMA CITY, FL 32401-3524

Tax Assessment & Valuation

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	$1,962.00 (-3.92%) Homeowner's exemption	$166,273 (+5.99%)	$191,914 (+9.74%) Land $38,316 Building $153,598
2024	$2,042.00 (-6.03%)
2023	$2,173.00 (+3.92%) Homeowner's exemption	$156,881 (+3%)	$174,875 (+9.33%) Land $28,840 Building $146,035
2022	$2,091.00 Homeowner's exemption	$152,312	$159,946 Land $27,192 Building $132,754

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Hurricane Opal, Oct 1995 · 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on E 7th Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures