1126 E 25th St, Panama City, FL 32405 Property Records

Bay County property record for 1126 E 25th St, Panama City, FL 32405

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,728 sqft · built 1996
Lot Size	0.308 acres (13,460 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Nov 2025)
Tax Bill	$114 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12817-010-000`

Property Details

APN / Parcel Number

Primary APN	`12817-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Heated Area
Gross Area	2,108 sqft
1st Floor Area	1,728 sqft
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,460 sqft (0.308 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	816 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	380 sqft
Deck Area	160 sqft
Patio Area	160 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1126 E 25TH ST
City	PANAMA CITY
State	FL
Zip	32405-5220
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	DIRIGO PARK LOTS 7 & 8 BLK 1 ORB 1635 P 896
Legal Range	14W
Legal Township	03S
Legal Section	27
Legal Subdivision	DIRIGO PARK
Legal Block	1
Legal Lot Number	7,8 8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3056
Census Tract	1302

Owner

1126 E 25th St, a mobile home, is owned and occupied by an individual who bought it in November 2025.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name 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	Name on Deed
Last Sale	Nov 4, 2025 · Amount on File
Deed Sale	Nov 4, 2025 · Amount on File
Deed Document Number	2025064061
Deed Book / Page	4969 / 2065
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 4, 2025
Property Address	1126 E 25TH ST, PANAMA CITY, FL 32405-5220
Document Number	0049692065
Book / Page	4969 / 2065
Map Reference	MB 2 PG 1
Instrument Date	Nov 3, 2025
Instrument	2025064061
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ANCHOR TITLE COMPANY, ANCHOR TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 BALLARD RD, BEREA, KY 40403-8722

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0049692067
Date	Nov 4, 2025
Instrument	4969/2067

Lender

Name	21ST MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 1126 E 25th St was $114 with exemptions applied, up 6.5% from the year before.

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

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	$114.00 (+6.54%) Homeowner's exemption Widower's exemption	$51,518 (+2.9%)	$72,336 (+10.84%) Land $38,800 Building $33,536
2024	$107.00 (+15.05%) Homeowner's exemption	$50,066 (+6.48%)	$65,261 (+20.48%) Land $33,465 Building $31,796
2023	$93.00 (-16.22%) Homeowner's exemption	$47,021 (+3%)	$54,166 (+13.34%) Land $29,100 Building $25,066
2022	$111.00 Homeowner's exemption	$45,651	$47,789 Land $24,832 Building $22,957

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

Flood

FEMA maps place 1126 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 1126 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