Bay County property record for 116 E 2nd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,304 sqft · built 1993 |
| Lot Size | 0.246 acres (10,716 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Sep 2016) |
| Tax Bill | $3,586 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 20306-010-000 |
| Primary APN | 20306-010-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,304 sqft Heated Area |
| Gross Area | 2,760 sqft |
| 1st Floor Area | 1,584 sqft |
| 2nd Floor Area | 720 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,716 sqft (0.246 acres) |
| Lot Dimensions | 143 ft deep x 75 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 456 sqft |
| Deck Area | 416 sqft |
| Patio Area | 416 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 116 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | HARMON PLAT LOT 3 & W1/2 LOT 2 BLK 6 ORB 3828 P 1166 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | HARMON PLAT |
| Legal Block | 6 |
| Legal Lot Number | 2,3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 1900 |
116 E 2nd St is owned and occupied by two individuals who bought it in September 2016.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 116 E 2ND ST, PANAMA CITY, FL 32401-3227 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2016 · Amount on File |
| Deed Sale | Sep 2, 2016 · Amount on File |
| Prior Sale | Apr 2, 2015 · Amount on File |
| Deed Document Number | 2016048689 |
| Deed Book / Page | 3828 / 1166 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 116 E 2nd St was $3,586 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,586.00 Homeowner's exemption | $269,081 | $348,826 Land $51,604 Building $297,222 |
| 2023 | $3,873.00 (+5.82%) Homeowner's exemption | $253,882 (+3%) | $289,088 (+8.53%) Land $44,550 Building $244,538 |
| 2022 | $3,660.00 Homeowner's exemption | $246,487 | $266,364 Land $38,684 Building $227,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 116 E 2nd 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 116 E 2nd 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 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures