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

Bay County property record for 117 E 2nd Pl, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,847 sqft · built 1909
Lot Size0.148 acres (6,490 sqft)
OwnerIndividual Name on Record
Last Sale$345,000 (Mar 2022)
Tax Bill$5,198 (2025)
Deeds & MortgagesMar 2022 Sale
Flood ZoneZone X (minimal risk)
APN20268-000-000

Property Details

APN / Parcel Number

Primary APN20268-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,847 sqft Heated Area
Gross Area2,427 sqft
1st Floor Area1,313 sqft
2nd Floor Area820 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1909
Effective Year BuiltEffective 2019
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area6,490 sqft (0.148 acres)
Lot Dimensions130 ft deep x 50 ft wide
Garage TypeDetached
Garage Area280 sqft

Exterior Amenities

PorchPorch
Porch Area327 sqft
Deck Area56 sqft
FenceFence
Shed1 Shed
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address117 E 2ND PL
CityPANAMA CITY
StateFL
Zip32401-3220
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC03
Legal DescriptionHARMON PLAT LOT 15 BLK 2 ORB 4544 P 692
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionHARMON PLAT
Legal Block2
Legal Lot Number15
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1008
Census Tract1900

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address201 FLOWERWOOD CT, BRENTWOOD, TN 37027-7928
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 31, 2022 · Amount on Record
Deed SaleMar 31, 2022 · Amount on Record
Prior SaleMar 16, 2015 · Amount on Record
Deed Document Number2022023856
Deed Book / Page4544 / 692
Record UpdatedJun 8, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 31, 2022
Property Address117 E 2ND PL, PANAMA CITY, FL 32401-3220
Document Number0045440692
Book / Page4544 / 692
Instrument DateMar 30, 2022
Instrument2022023856
Transaction TypeTransfer
Record UpdatedApr 21, 2022
Title CompanyOMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

AmountAmount Recorded
Tax$2,415.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address120 E 2ND PL, 120, PANAMA CITY, FL 32401-3221

Transferred To (Grantee/Buyer)

NameVerified Name
Address201 FLOWERWOOD CT, BRENTWOOD, TN 37027-7928

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,198.00 (+3.94%)$329,120 (+12.97%) Land $33,360 Building $295,760$329,120 (+12.97%) Land $33,360 Building $295,760
2023$5,001.00 (+126.6%)$291,330 (+137.09%) Land $28,800 Building $262,530$291,330 (+137.09%) Land $28,800 Building $262,530
2022$2,207.00$122,879 Land $25,008 Building $97,871$122,879 Land $25,008 Building $97,871

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 38 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies184 units insured
incl. 146 condo units
Nearby Flood Claims75 (1982–2018)
Claims Outside the SFHA41 of 75
Most Recent ClaimOct 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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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