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

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,028 sqft · built 1910
Lot Size	0.164 acres (7,143 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Sep 2024)
Tax Bill	$5,294 (2025)
Deeds & Mortgages	Dec 2019 Sale Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`20280-000-000`

Property Details

APN / Parcel Number

Primary APN	`20280-000-000`
Alternative APN	`5569500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,028 sqft Living Area
1st Floor Area	1,308 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1980
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,143 sqft (0.164 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Driveway	Driveway
Porch	Open Porch
Porch Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	115 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-3226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	HARMON PLAT LOT 13 BLK 3 ORB 4837 P 1850
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	3
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1012
Census Tract	1900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	207 GLENCOE WAY, DOTHAN, AL 36305-6997
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Sep 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2024 · Amount on Record
Deed Sale	Sep 4, 2024 · Amount on Record
Prior Sale	Dec 19, 2019 · Amount on Record
Deed Document Number	202452459
Deed Book / Page	4837 / 1850
Record Updated	Jun 8, 2026

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Dec 19, 2019
Property Address	115 E 2ND ST, PANAMA CITY, FL 32401-3226
Document Number	0042030914
Book / Page	004203 / 000914
Instrument Date	Dec 19, 2019
Instrument	107397
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$329.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	615 E 2ND ST PANAMA CITY BEACH FL 324013809, PANAMA CITY BEACH, FL 32401-3809

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	115 E 2ND ST, PANAMA CITY, FL 32401-3226
Document Number	0042001131
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 E 2ND ST PANAMA CITY FL 324013226, PANAMA CITY, FL 32401-3226

Mortgage

Document Number	0042001131
Date	Dec 11, 2019
Book Page	004200/001131
Instrument	105435

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 1, 2017
Property Address	115 E 2ND ST, PANAMA CITY, FL 32401-3226
Document Number	0039331184
Book / Page	003933 / 001184
Instrument Date	Sep 1, 2017
Instrument	50287
Transaction Type	Transfer
Record Updated	Sep 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 E 2ND ST PANAMA CITY BEACH FL 324013226, PANAMA CITY BEACH, FL 32401-3226

Tax Assessment & Valuation

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	$5,294.00 (+185.54%)	$335,235 (+123.93%) Land $34,402 Building $300,833	$335,235 (+66.24%) Land $34,402 Building $300,833
2024	$1,854.00 (-6.41%) Homeowner's exemption	$149,703 (+3%)	$201,655 (+18.39%) Land $34,402 Building $167,253
2023	$1,981.00 (+5.99%) Homeowner's exemption	$145,343 (+3%)	$170,326 (+11.04%) Land $29,700 Building $140,626
2022	$1,869.00 Homeowner's exemption	$141,110	$153,398 Land $25,789 Building $127,609

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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