1137 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 1137 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 640 sqft · built 1989
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$107,000 (Jul 2023)
Tax Bill	$1,383 (2025)
Deeds & Mortgages	Jul 2023 Sale Nov 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`14449-010-000`

Property Details

APN / Parcel Number

Primary APN	`14449-010-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	640 sqft Heated Area
Gross Area	720 sqft
1st Floor Area	640 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	165 ft deep x 132 ft wide
Porch	Porch
Porch Area	240 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	HVAC

Location & Zoning

Street Address	1137 E 17TH ST
City	PANAMA CITY
State	FL
Zip	32405-6148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC11
Legal Description	33 3S 14W -43.1- MAP 104C4 BEG 330 E & 30 S OF NW COR OF SE1/4 OF SE1/4 TH: S 165 E 132
Legal Range	14W
Legal Township	03S
Legal Section	33
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1600

Owner

1137 E 17th St is owned by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	633 NE 15TH CT, CAPE CORAL, FL 33909-2164
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

Date	Document
Jul 25, 2023	Warranty Deed, Transfer SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE
Nov 7, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage UNITED STATES SMALL BUSINESS ADMIN
Jun 15, 2020	Loan Modification, Mortgage US SMALL BUSINESS ADMINISTRATI
Mar 5, 2020	Loan Modification, Mortgage US SMALL BUSINESS ADMINISTRATI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2023 · Amount on File
Deed Sale	Jul 25, 2023 · Amount on File
Deed Document Number	0004713161
Deed Book / Page	4713 / 161
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 25, 2023
Property Address	1137 E 17TH ST, PANAMA CITY, FL 32405-6148
Document Number	0047130161
Book / Page	4713 / 161
Instrument Date	Jul 25, 2023
Instrument	2023046421
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE

Transaction

Amount	Amount on Record
Tax	$749.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1722 W 17TH ST # STF101, STF101, PANAMA CITY, FL 32405-3155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6216 LANCE ST, PANAMA CITY, FL 32404-8331

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1137 E 17TH ST, PANAMA CITY, FL 32405-6148
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041882043
Date	Nov 7, 2019
Book Page	4188/2043
Instrument	2019097155

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	348 Months
Due	Nov 26, 2048

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	1137 E 17TH ST, PANAMA CITY, FL 32405-6148
Document Number	0042642170
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1137 E 17TH ST PANAMA CITY FL 324056148, PANAMA CITY, FL 32405-6148

Mortgage

Document Number	0042642170
Date	Jun 22, 2020
Book Page	004264/002170
Instrument	40249

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount on Record
Term	336 Months
Due	Jun 21, 2048

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	1137 E 17TH ST, PANAMA CITY, FL 32405-6148
Document Number	0042291909
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1137 E 17TH ST PANAMA CITY FL 324056148, PANAMA CITY, FL 32405-6148

Mortgage

Document Number	0042291909
Date	Mar 5, 2020
Book Page	004229/001909
Instrument	17200

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount on Record
Term	336 Months
Due	Mar 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1137 E 17th St was $1,383.

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	$1,383.00	$87,587 Land $43,930 Building $43,657	$87,587 Land $43,930 Building $43,657
2023	$449.00 (-10.38%) Homeowner's exemption	$43,958 (+3%)	$57,152 (+24.46%) Land $37,065 Building $20,087
2022	$501.00 Homeowner's exemption	$42,678	$45,919 Land $27,593 Building $18,326

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1137 E 17th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	33.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims Hurricane Opal, Oct 1995 · 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 1137 E 17th St 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 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.

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 23 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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