Bay County property record for 105 Howard Ct, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,682 sqft · built 2022 |
| Lot Size | 0.223 acres (9,713 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Aug 2022) |
| Tax Bill | $4,373 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Second Mortgage Jul 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07363-442-000 |
| Primary APN | 07363-442-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,682 sqft Living Area |
| Gross Area | 2,002 sqft |
| 1st Floor Area | 1,682 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wood |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,713 sqft (0.223 acres) |
| Lot Dimensions | 106 ft deep x 92 ft wide |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Driveway | Driveway |
| Driveway Area | 714 sqft |
| Porch | Slab |
| Porch Area | 210 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 105 HOWARD CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAY FRONT UNIT 5 LOT 17 LESS TRIANGULAR PART TO LOT 18 ALSO SMALL TRIANG PART OF LOT 18 ORB 4597 P 1445 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 19 |
| Legal Subdivision | BAY FRONT |
| Legal Lot Number | 17,18 |
| Legal Unit | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 900 |
105 Howard Ct is owned by an individual who bought it in August 2022.
Source: Bay County records, as of May 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5136 SIENNA DR, PANAMA CITY, FL 32404-1300 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 10, 2022 | Warranty Deed, Transfer · Stand-Alone Second Mortgage LOANDEPOT.COM LLC |
| Jul 19, 2021 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Dec 10, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2022 · Amount on File |
| Deed Sale | Aug 10, 2022 · Amount on File |
| Prior Sale | Jul 19, 2021 · Amount on File |
| Deed Document Number | 202259499 |
| Deed Book / Page | 4597 / 1445 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 10, 2022 |
| Property Address | 105 HOWARD CT, PANAMA CITY, FL 32404-8809 |
| Document Number | 0045971445 |
| Book / Page | 4597 / 1445 |
| Map Reference | MB 13 PG 42 |
| Instrument Date | Aug 10, 2022 |
| Instrument | 2022059499 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2637 N EAST AVE, PANAMA CITY, FL 32405-7022 |
| Name | Verified Name |
|---|---|
| Address | 105 HOWARD CT, PANAMA CITY, FL 32404-8809 |
| Document Number | 0045971464 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 4597/1464 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 0045971447 |
|---|---|
| Date | Aug 10, 2022 |
| Book Page | 4597/1447 |
| Instrument | 2022059500 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 19, 2021 |
| Property Address | 105 HOWARD CT, PANAMA CITY, FL 32404-8809 |
| Document Number | 0044352115 |
| Book / Page | 4435 / 2115 |
| Map Reference | MB 13 PG 42 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 2021055125 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $196.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 DANLEY RD, IRON CITY, TN 38463-7120 |
| Name | Verified Name |
|---|---|
| Address | 2637 N EAST AVE, PANAMA CITY, FL 32405-7022 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 10, 2020 |
| Property Address | 105 HOWARD CT, PANAMA CITY, FL 32404-8809 |
| Document Number | 0043360406 |
| Book / Page | 004336 / 000406 |
| Instrument Date | Dec 10, 2020 |
| Instrument | 83725 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Tax | $157.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 112 DANLEY RD IRON CITY TN 384637120, IRON CITY, TN 38463-7120 |
The 2025 property tax bill for 105 Howard Ct was $4,373, up 6.2% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Parker City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,373.00 (+6.19%) | $312,521 Land $26,413 Building $286,108 | $312,521 Land $26,413 Building $286,108 |
| 2024 | $4,118.00 (+28.41%) | ||
| 2023 | $3,207.00 (+1,357.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $272,129 (+1,153.53%) Land $28,014 Building $244,115 | $272,129 (+1,153.53%) Land $28,014 Building $244,115 |
| 2022 | $220.00 | $21,709 Land $19,209 Building $2,500 | $21,709 Land $19,209 Building $2,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 105 Howard Ct 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 22 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 6 (2018) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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.
Wildfire risk around 105 Howard Ct is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 226 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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