1105 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 1105 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,836 sqft · built 1960
Lot Size	0.227 acres (9,888 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Nov 2018)
Tax Bill	$2,734 (2025)
Deeds & Mortgages	Jun 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`21975-000-000`

Property Details

APN / Parcel Number

Primary APN	`21975-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,836 sqft Living Area
1st Floor Area	1,404 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	110 ft deep x 90 ft wide
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Driveway	Driveway
Porch	Florida Room
Porch Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1105 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 13 BLK B ORB 4420 P 1669
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	B
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1900

Owner

1105 E 2nd Ct is owned by an individual who acquired it in June 2021.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	102 ALAMEDA DE LAS PULGAS, BELMONT, CA 94002-1560
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2018 · Amount on File
Deed Sale	Nov 15, 2018 · Amount on File
Prior Sale	Nov 20, 2012 · Amount on File
Deed Document Number	201865198
Deed Book / Page	4060 / 922
Last Transfer Date	Jun 15, 2021
Transfer Doc	0044201669
Record Updated	Jun 8, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Jun 16, 2021
Property Address	1105 E 2ND CT, PANAMA CITY, FL 32401-3833
Document Number	0044201669
Book / Page	4420 / 1669
Map Reference	MB 7 PG 60
Instrument Date	Jun 15, 2021
Instrument	2021045527
Transaction Type	Transfer
Record Updated	Jul 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 S COVE TERRACE DR, 209, PANAMA CITY, FL 32401-4038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 ALAMEDA DE LAS PULGAS, BELMONT, CA 94002-1560

Tax Assessment & Valuation

The 2025 property tax bill for 1105 E 2nd Ct was $2,734, down 3.7% from the year before.

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	$2,734.00 (-3.73%)	$148,144	$222,043 Land $55,670 Building $166,373
2024	$2,840.00 (+9.86%)
2023	$2,585.00 (+30.1%)	$181,313 (+62.9%) Land $48,060 Building $133,253	$181,313 (+62.9%) Land $48,060 Building $133,253
2022	$1,987.00	$111,303 Land $41,732 Building $69,571	$111,303 Land $41,732 Building $69,571

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

Flood

FEMA maps place 1105 E 2nd 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 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

Wildfire risk around 1105 E 2nd Ct is low, with less than 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 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