Bay County property record for 1201 E 11th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,969 sqft · built 1957 |
| Lot Size | 0.385 acres (16,770 sqft) |
| Owner | Individual Name on File |
| Last Sale | $267,000 (May 2026) |
| Tax Bill | $2,722 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16848-000-000 |
| Primary APN | 16848-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,969 sqft Living Area |
| 1st Floor Area | 1,969 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 16,770 sqft (0.385 acres) |
| Lot Dimensions | 120 ft deep x 140 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 238 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1201 E 11TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | ROSENWALD HEIGHTS LOTS 3 & 4 BLK 1 ORB 4825 P 1776 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | ROSENWALD HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 3,4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 1700 |
1201 E 11th St is owned by an individual who bought it in May 2026.
Source: Bay County records, as of June 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4719 PARK ST, PANAMA CITY, FL 32404-6643 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 15, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL |
| May 15, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL SERVICES INC |
| Aug 5, 2019 | Deed of Trust, Mortgage HOUSING FIN AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on File |
| Deed Sale | May 15, 2026 · Amount on File |
| Prior Sale | Jan 3, 2025 · Amount on File |
| Deed Document Number | 202629399 |
| Deed Book / Page | 5035 / 84 |
| Prior Transfer Date | Sep 28, 2005 |
| Prior Transfer Doc | 0000077827 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 15, 2026 |
| Property Address | 1201 E 11TH ST, PANAMA CITY, FL 32401-4114 |
| Document Number | 0050350084 |
| Book / Page | 5035 / 84 |
| Instrument Date | May 13, 2026 |
| Instrument | 202629399 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | DEFENDER TITLE AND ESCROW AGENCY L, DEFENDER TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $188,769.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4719 PARK ST, PANAMA CITY, FL 32404-6643 |
| Document Number | 0000029400, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 202629400 |
| Name | AMERICAN FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.25% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 15, 2026 |
| Property Address | 1201 E 11TH ST, PANAMA CITY, FL 32401-4114 |
| Document Number | 0000029399 |
| Book / Page | 5035 / 84 |
| Instrument Date | May 13, 2026 |
| Instrument | 202629399 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2026 |
| Title Company | DEFENDER TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $188,769.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4719 PARK ST, PANAMA CITY, FL 32404-6643 |
| Document Number | 0000029400, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 202629400 |
| Name | AMERICAN FINANCIAL SERVICES INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1201 E 11TH ST, PANAMA CITY, FL 32401-4114 |
| Document Number | 0041632124 |
| Instrument Date | Aug 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1201 E 11TH ST PANAMA CITY FL 324014114, PANAMA CITY, FL 32401-4114 |
| Document Number | 0041632124 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 004163/002124 |
| Instrument | 78576 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | TALLAHASSEE, FL 32301-1329 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 1201 E 11th St was $2,722, up 7.4% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $2,722.00 (+7.38%) | $153,400 Land $41,664 Building $111,736 | $153,400 Land $41,664 Building $111,736 |
| 2024 | $2,535.00 (+5.54%) | ||
| 2023 | $2,402.00 (+15.43%) | $133,198 (+15.32%) Land $35,154 Building $98,044 | $133,198 (+15.32%) Land $35,154 Building $98,044 |
| 2022 | $2,081.00 | $115,504 Land $26,170 Building $89,334 | $115,504 Land $26,170 Building $89,334 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1201 E 11th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 4 (1983–2018) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
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 1201 E 11th 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 99.1% of the US · lower than 98.7% 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 322 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 | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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