1101 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 1101 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,008 sqft · built 1960
Lot Size	0.239 acres (10,411 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Jun 2022)
Tax Bill	$4,165 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21973-000-000`

Property Details

APN / Parcel Number

Primary APN	`21973-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,008 sqft Heated Area
Gross Area	2,554 sqft
1st Floor Area	2,008 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2010
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	10,411 sqft (0.239 acres)
Lot Dimensions	116 ft deep x 90 ft wide

Exterior Amenities

Pool Area	320 sqft
Porch	Porch
Porch Area	189 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1101 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD LOT 11 BLK B ORB 4572 P 1769
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	B
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1900

Owner

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
Co-owner	Co-owner on Record
Mailing Address	1101 E 2ND CT, PANAMA CITY, FL 32401-3833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2022 · Amount on Record
Deed Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	2022042471
Deed Book / Page	4572 / 1769
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 6, 2022
Property Address	1101 E 2ND CT, PANAMA CITY, FL 32401-3833
Document Number	0045721769
Book / Page	4572 / 1769
Map Reference	MB 7 PG 60
Instrument Date	Jun 3, 2022
Instrument	2022042471
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	NOT AVAILABLE, OMEGA TITLE FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1011 E 2ND CT, 1011, PANAMA CITY, FL 32401-3831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 E 2ND CT, PANAMA CITY, FL 32401-3833

Mortgage

Document Number	0045721771
Date	Jun 6, 2022
Instrument	4572/1771

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jul 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.87%
Index	Other
Margin	3
Max Rate	9.87%

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$4,165.00 (+8.78%)	$266,505 (+22.93%) Land $56,920 Building $209,585	$266,505 (+22.93%) Land $56,920 Building $209,585
2023	$3,829.00 (+154.76%)	$216,788 (+87.33%) Land $49,140 Building $167,648	$216,788 (+44.03%) Land $49,140 Building $167,648
2022	$1,503.00 Homeowner's exemption	$115,725	$150,513 Land $42,669 Building $107,844

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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 Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 258 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