Bay County property record for 105 E 13th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,290 sqft · built 1940 |
| Lot Size | 0.102 acres (4,443 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $515 (2025) |
| Deeds & Mortgages | Sep 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18329-000-000 |
| Primary APN | 18329-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,290 sqft Living Area |
| Gross Area | 1,706 sqft |
| 1st Floor Area | 1,290 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,443 sqft (0.102 acres) |
| Lot Dimensions | 89 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Porch | Slab |
| Porch Area | 112 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 105 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 E 50 LOTS 1 THRU 4 INC LESS N 11 LOT 4 BLK 5 ORB 1687 P 1467 ORB 2457 P 2205 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 05 |
| Legal Subdivision | WASHINGTON HEIGHTS |
| Legal Block | 5 |
| Legal Lot Number | 1-4,4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2000 |
105 E 13th St is owned and occupied by two individuals who acquired it in September 2026.
Source: Bay County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 E 13TH ST, PANAMA CITY, FL 32401-2804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 29, 2026 |
| Transfer Doc | 0000060616 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 29, 2026 |
| Property Address | 105 E 13TH ST, PANAMA CITY, FL 32401-2804 |
| Document Number | 0000060616 |
| Book / Page | 5084 / 461 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 202660616 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 105 E 13TH ST, PANAMA CITY, FL 32401-2804 |
The 2025 property tax bill for 105 E 13th St was $515.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $515.00 Homeowner's exemption | $48,130 | $68,788 Land $12,960 Building $55,828 |
| 2023 | $514.00 (-8.87%) Homeowner's exemption | $45,412 (+3%) | $59,400 (+13.67%) Land $10,935 Building $48,465 |
| 2022 | $564.00 Homeowner's exemption | $44,089 | $52,258 Land $8,140 Building $44,118 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 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 105 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures