1114 E 25th St, Panama City, FL 32405 Property Records

Bay County property record for 1114 E 25th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,896 sqft · built 2008
Lot Size	0.344 acres (14,984 sqft)
Owner	2 Individual Names on File
Last Sale	$258,500 (Sep 2021)
Tax Bill	$2,585 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12817-000-000`

Property Details

APN / Parcel Number

Primary APN	`12817-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,896 sqft Living Area
1st Floor Area	1,896 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	520 sqft
Carport	Carport
Carport Area	520 sqft
Porch	Open Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1114 E 25TH ST
City	PANAMA CITY
State	FL
Zip	32405-5220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	DIREGO PARK (5.01) LOTS 5,6 & N 15 LOTS 19,20 ORB 685 P 73 BLK 1 ORB 1832 P 1968 ORB 2288 P 410 ORB 2876 P 1182 ORB 4459 P 1308
Legal Range	14W
Legal Township	03S
Legal Section	27
Legal Subdivision	DIREGO PARK
Legal Block	1
Legal Lot Number	5,19
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3056
Census Tract	1302

Owner

1114 E 25th St is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1114 E 25TH ST, PANAMA CITY, FL 32405-5220
Occupancy	Owner Occupied
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	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Jan 17, 2007 · Amount on File
Deed Document Number	202169957
Deed Book / Page	4459 / 1308
Prior Transfer Date	Jan 12, 2007
Prior Transfer Doc	0028761182
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 13, 2021
Property Address	1114 E 25TH ST, PANAMA CITY, FL 32405-5220
Document Number	0044591308
Book / Page	4459 / 1308
Instrument Date	Sep 9, 2021
Instrument	2021069957
Transaction Type	Transfer
Record Updated	Oct 1, 2021
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,809.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	856 TOE TAG LN, 856, YOUNGSTOWN, FL 32466

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 E 25TH ST, PANAMA CITY, FL 32405-5220

Mortgage

Document Number	44591310
Date	Sep 13, 2021
Instrument	4459/1310

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1114 E 25th St was $2,585 with a homeowner's exemption, up 1.9% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,585.00 (+1.85%) Homeowner's exemption	$248,553	$273,608 Land $30,000 Building $243,608
2024	$2,538.00 (+2.05%)
2023	$2,487.00 (-0.88%) Homeowner's exemption	$234,513 (+9.66%) Land $22,500 Building $212,013	$234,513 (+9.66%) Land $22,500 Building $212,013
2022	$2,509.00	$213,863 Land $19,200 Building $194,663	$213,863 Land $19,200 Building $194,663

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

Flood

FEMA maps place 1114 E 25th St 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 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	21 (1998–2018)
Claims Outside the SFHA	6 of 21
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 11 claims Severe Storms And Flooding, Jul 2013 · 2 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 1114 E 25th St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20