Bay County property record for 119 E 2nd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,164 sqft · built 1927 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,057 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20281-000-000 |
| Primary APN | 20281-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,164 sqft Heated Area |
| Gross Area | 1,324 sqft |
| 1st Floor Area | 1,164 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 143 ft deep x 50 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 119 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 PC04 |
| Legal Description | HARMON PLAT LOT 14 BLK 3 AND W 25' OF S 75' OF LOT 15 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | HARMON PLAT |
| Legal Block | 3 |
| Legal Lot Number | 14,15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 1900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 311 MASSALINA DR, PANAMA CITY, FL 32401-3708 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2024 |
| Deed Sale | May 13, 2024 |
| Prior Sale | Nov 16, 2000 · Amount on Record |
| Deed Document Number | 0004801858 |
| Deed Book / Page | 4801 / 858 |
| Record Updated | Jun 8, 2026 |
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 | $2,057.00 (+3.31%) | $130,286 (+21.42%) Land $47,260 Building $83,026 | $130,286 (+21.42%) Land $47,260 Building $83,026 |
| 2023 | $1,991.00 (+14.1%) | $107,299 (+11.61%) Land $40,800 Building $66,499 | $107,299 (+11.61%) Land $40,800 Building $66,499 |
| 2022 | $1,745.00 | $96,141 Land $35,427 Building $60,714 | $96,141 Land $35,427 Building $60,714 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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