115 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 115 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,792 sqft · built 1984
Lot Size	0.275 acres (11,979 sqft)
Owner	Company Name on Record
Last Sale	$495,000 (Jan 2024)
Tax Bill	$6,787 (2025)
Deeds & Mortgages	Jan 2024 Sale Apr 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20267-000-000`

Property Details

APN / Parcel Number

Primary APN	`20267-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,792 sqft Heated Area
Gross Area	3,252 sqft
1st Floor Area	2,099 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	143 ft deep x 84 ft wide
Garage Area	460 sqft
Pool Area	512 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	115 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	HARMON PLAT LOTS 13 & 14 BLK 2 ORB 4766 P 446
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	2
Legal Lot Number	13,14 14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1008
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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	1411 TURTLEBACK TRL, PANAMA CITY BEACH, FL 32413-1488
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2024	Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE
Apr 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jul 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK
Mar 28, 2018	Trustee's Deed, Construction Loan · Line of Credit TRUSTMARK NAT'L BK
Mar 30, 2017	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2024 · Amount on Record
Deed Sale	Jan 19, 2024 · Amount on Record
Prior Sale	Mar 30, 2017 · Amount on Record
Deed Document Number	0004766446
Deed Book / Page	4766 / 446
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 19, 2024
Property Address	115 E 2ND PL, PANAMA CITY, FL 32401-3220
Document Number	0047660446
Book / Page	4766 / 446
Map Reference	MB 4 PG 8
Instrument Date	Jan 19, 2024
Instrument	2024002965
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Tax	$3,465.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22316 LAKESIDE DR, PANAMA CITY BEACH, FL 32413-1109

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1411 TURTLEBACK TRL, PANAMA CITY BEACH, FL 32413-1488

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	115 E 2ND PL, PANAMA CITY, FL 32401-3220
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039942045
Date	Apr 3, 2018
Book Page	3994/2045
Instrument	2018019273

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	115 E 2ND PL, PANAMA CITY, FL 32401-3220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040251778
Date	Jul 9, 2018
Book Page	4025/1778
Instrument	2018040386

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	118 Months
Due	May 14, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BAY FL
Recording Date	Mar 28, 2018
Property Address	115 E 2ND PL, PANAMA CITY, FL 32401-3220
Document Number	0039922240
Book / Page	003992 / 002240
Instrument Date	Feb 12, 2018
Instrument	18020
Transaction Type	Construction Loan
Record Updated	Apr 6, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 E 2ND PL PANAMA CITY BEACH FL 324013220, PANAMA CITY BEACH, FL 32401-3220

Mortgage

Document Number	39922240
Date	Mar 28, 2018
Book Page	003992/002240
Instrument	18020

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 27, 2019

Interest

Rate Type	Adjustable Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 30, 2017
Property Address	115 E 2ND PL, PANAMA CITY, FL 32401-3220
Document Number	0038862213
Book / Page	3886 / 2213
Map Reference	MB4 PG8
Instrument Date	Mar 29, 2017
Instrument	2017017645
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	OMEGA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1139 COVE POINTE DR, 1139, PANAMA CITY, FL 32401-3793

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E 2ND PL, PANAMA CITY, FL 32401-3220

Mortgage

Document Number	2017017646
Date	Mar 30, 2017
Instrument	2017017646

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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	$6,787.00 (+142.74%)	$429,777 (+124.02%) Land $57,796 Building $371,981	$429,777 (+78.98%) Land $57,796 Building $371,981
2023	$2,796.00 (+4.88%) Homeowner's exemption	$191,851 (+3%)	$240,120 (+10.9%) Land $49,896 Building $190,224
2022	$2,666.00 Homeowner's exemption	$186,263	$216,524 Land $43,326 Building $173,198

Assessed value is set for property tax purposes, not a market price estimate; it is 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 38 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	184 units insured incl. 146 condo units
Nearby Flood Claims	75 (1982–2018)
Claims Outside the SFHA	41 of 75
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 33 claims Hurricane Opal, Oct 1995 · 37 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 99.8% of the US · lower than 99.7% 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 261 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	1,000 / 75
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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