Bay County property record for 1040 E 7th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,697 sqft · built 2002 |
| Lot Size | 0.378 acres (16,466 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $590 (2023) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16604-000-000 |
| Primary APN | 16604-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,697 sqft Heated Area |
| Gross Area | 3,377 sqft |
| 1st Floor Area | 2,697 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 16,466 sqft (0.378 acres) |
| Lot Dimensions | 150 ft deep x 110 ft wide |
| Garage Area | 524 sqft |
| Driveway | Driveway |
| Driveway Area | 576 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 156 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1040 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-143-69A (ORB 285 P 351) BEG 710' E & 40' SW'LY OF SE COR LOT 18 BLK 18 GLENWOOD |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | GLENWOOD |
| 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 |
Source: Bay County records, as of January 23, 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 | 1040 E 7TH CT, PANAMA CITY, FL 32401-3524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2019 |
| Deed Sale | May 8, 2019 |
| Prior Sale | Dec 29, 2000 |
| Deed Document Number | 0041202182 |
| Prior Transfer Date | Sep 9, 2002 |
| Prior Transfer Doc | 2002-055255 |
| Record Updated | Jun 8, 2026 |
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 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $253,068 (+5.99%) | $298,375 (+4.2%) Land $35,805 Building $262,570 |
| 2023 | $590.00 (-2.64%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $238,773 (+3%) | $286,349 (+7.05%) Land $26,950 Building $259,399 |
| 2022 | $606.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $231,818 | $267,503 Land $25,410 Building $242,093 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% 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.
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 322 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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