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

Bay County property record for 120 E 2nd Pl, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 4,002 sqft · built 1910
Lot Size0.328 acres (14,287 sqft)
Owner2 Individual Names on Record
Last Sale$562,500 (Oct 2022)
Tax Bill$4,893 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN20275-000-000

Property Details

APN / Parcel Number

Primary APN20275-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area4,002 sqft Living Area
Gross Area4,584 sqft
1st Floor Area2,362 sqft
FlooringWood
Interior WallsWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 2020
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialOther
Lot Area14,287 sqft (0.328 acres)
Lot Dimensions143 ft deep x 100 ft wide
Garage TypeAttached
Garage Area582 sqft
PorchFlorida Room
Porch Area929 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address120 E 2ND PL
CityPANAMA CITY
StateFL
Zip32401-3221
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC03
Legal DescriptionHARMON PLAT LOTS 4 & 5 BLK 3 ORB 4801 P 721
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionHARMON PLAT
Legal Block3
Legal Lot Number4,5
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1012
Census Tract1900

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 Record2 Individual Names on Record
Mailing AddressPO BOX 33, PANAMA CITY, FL 32402-0033
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 31, 2022 · Amount on Record
Deed SaleOct 31, 2022 · Amount on Record
Deed Document Number202279451
Deed Book / Page4626 / 947
Last Transfer DateMay 6, 2024
Transfer Doc0048010721
Record UpdatedSep 20, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 31, 2022
Property Address120 E 2ND PL, PANAMA CITY, FL 32401-3221
Document Number0046260947
Book / Page4626 / 947
Map ReferenceMB 4 PG 8A
Instrument DateOct 31, 2022
Instrument2022079451
Transaction TypeTransfer
Record UpdatedNov 16, 2022
Title CompanySOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,937.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3001 W 10TH ST # ST601, 3001, PANAMA CITY, FL 32401-1487

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number0004626949
DateOct 31, 2022
Instrument4626/949
Lender
NameCANDIS M HARBISON ETAL
TypeSeller
Agreement
TypeSeller Carry-Back
AmountAmount Recorded
Term182 Months
DueDec 1, 2037

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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$4,893.00 (+0.2%) Homeowner's exemption Widower's exemption$356,845 (-25.51%)$577,989 (+20.65%) Land $68,805 Building $509,184
2024$4,883.00 (-35.03%)
2023$7,516.00 (+241.33%) Homeowner's exemption$479,046 (+217.28%) Land $59,400 Building $419,646$479,046 (+82.39%) Land $59,400 Building $419,646
2022$2,202.00 Homeowner's exemption$150,986$262,644 Land $51,579 Building $211,065

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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