Bay County property record for 1203 E 25th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,352 sqft · built 1986 |
| Lot Size | 0.516 acres (22,476 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Sep 2020) |
| Tax Bill | $1,450 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Sep 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 12679-020-000 |
| Primary APN | 12679-020-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 22,476 sqft (0.516 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 360 sqft |
| Deck Area | Deck Area |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1203 E 25TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HIGHLAND CITY (6.02) BEG SW COR LOT 6 TH E 130 N 150 W 150 S 150 E 20 TO POB BLK 31 ORB 1988 P 488 ORB 2379 P 1136 ORB 4302 P 1654 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HIGHLAND CITY |
| Legal Block | 31 |
| Legal Lot Number | 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 1302 |
1203 E 25th St is owned and occupied by two individuals who bought it in September 2020.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1203 E 25TH ST, PANAMA CITY, FL 32405-5221 |
| 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.
| Date | Document |
|---|---|
| Sep 25, 2020 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 25, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2020 · Amount on File |
| Deed Sale | Sep 25, 2020 · Amount on File |
| Prior Sale | Jun 11, 2004 · Amount on File |
| Deed Document Number | 202063158 |
| Deed Book / Page | 4302 / 1654 |
| Prior Transfer Date | Sep 18, 2020 |
| Prior Transfer Doc | 0043021652 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 25, 2020 |
| Property Address | 1203 E 25TH ST, PANAMA CITY, FL 32405-5221 |
| Document Number | 0043021654 |
| Book / Page | 4302 / 1654 |
| Instrument Date | Sep 24, 2020 |
| Instrument | 2020063158 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1203 E 25TH ST, PANAMA CITY, FL 32405-5221 |
| Document Number | 0043021656 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 4302/1656 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 25, 2020 |
| Property Address | 1203 E 25TH ST, PANAMA CITY, FL 32405-5221 |
| Document Number | 0043021652 |
| Book / Page | 004302 / 001652 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 63157 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1203 E 25TH ST PANAMA CITY FL 324055221, PANAMA CITY, FL 32405-5221 |
The 2025 property tax bill for 1203 E 25th St was $1,450 with a homeowner's exemption, up 0.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,450.00 (+0.9%) Homeowner's exemption | $156,838 | $193,383 Land $60,000 Building $133,383 |
| 2024 | $1,437.00 (+2.35%) | ||
| 2023 | $1,404.00 (+11.52%) Homeowner's exemption | $147,979 (+3%) | $161,242 (+11.62%) Land $45,000 Building $116,242 |
| 2022 | $1,259.00 Homeowner's exemption | $143,670 | $144,460 Land $38,400 Building $106,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1203 E 25th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File median of 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 21 (1998–2018) |
| Claims Outside the SFHA | 6 of 21 |
| 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 1203 E 25th St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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