1203 E 7th St, Panama City, FL 32401 Property Records

Bay County property record for 1203 E 7th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,328 sqft · built 2004
Lot Size	0.544 acres (23,696 sqft)
Owner	2 Individual Names on File
Last Sale	$377,000 (Dec 2018)
Tax Bill	$652 (2023)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16639-000-000`

Property Details

APN / Parcel Number

Primary APN	`16639-000-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,328 sqft Living Area
Gross Area	2,834 sqft
1st Floor Area	2,208 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	23,696 sqft (0.544 acres)
Lot Dimensions	279 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	506 sqft
Driveway	Driveway
Driveway Area	900 sqft
Porch	Open Porch
Porch Area	783 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1203 E 7TH ST
City	PANAMA CITY
State	FL
Zip	32401-4227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	4 4S 14W -179- 69A BEG 110 N & 180 W OF SE COR TH N85 W 250 TO BAYOU SWLY ALG BAYOU TO PT E 158 S 10 E 150 TO POB TOG W/EAS ORB 4072 P 1682
Legal Range	14W
Legal Township	04S
Legal Section	04
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2023
Census Tract	1700

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 Record	2 Individual Names on File
Mailing Address	1203 E 7TH ST, PANAMA CITY, FL 32401-4227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Oct 24, 2019	Deed of Trust, Mortgage · VA Mortgage BAY EQUITY LLC
Sep 30, 2019	Deed of Trust, Mortgage · VA Mortgage BAY EQUITY
Jul 27, 2017	Warranty Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2018 · Amount on File
Deed Sale	Dec 26, 2018 · Amount on File
Prior Sale	Jul 27, 2017 · Amount on File
Deed Document Number	201878870
Deed Book / Page	4072 / 1682
Prior Transfer Date	Jul 11, 2011
Prior Transfer Doc	0033371873
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1203 E 7TH ST, PANAMA CITY, FL 32401-4227
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 E 7TH ST, PANAMA CITY, FL 32401-4227

Mortgage

Document Number	0043550594
Date	Jan 26, 2021
Book Page	4355/594
Instrument	2021005698

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1203 E 7TH ST, PANAMA CITY, FL 32401-4227
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041830774
Date	Oct 24, 2019
Book Page	4183/0774
Instrument	2019093112

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	SAUSALITO, CA 94965

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1203 E 7TH ST, PANAMA CITY, FL 32401-4227
Document Number	0041752368
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1203 E 7TH ST PANAMA CITY BEACH FL 324014227, PANAMA CITY BEACH, FL 32401-4227

Mortgage

Document Number	0041752368
Date	Oct 4, 2019
Book Page	004175/002368
Instrument	87477

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 27, 2017
Property Address	1203 E 7TH ST, PANAMA CITY, FL 32401-4227
Document Number	0039212059
Book / Page	003921 / 002059
Instrument Date	Jul 24, 2017
Instrument	42353
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7157 PATTERSONS VIEW LN HAYES VA 230723585, HAYES, VA 23072-3585

Mortgage

Document Number	39212061
Date	Jul 27, 2017
Book Page	003921/002061
Instrument	42354

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$359,573 (+5.99%)	$403,051 (+3.87%) Land $44,663 Building $358,388
2023	$652.00 (-13.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$339,261 (+3%)	$388,016 (+7.05%) Land $33,617 Building $354,399
2022	$752.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$329,380	$362,471 Land $31,696 Building $330,775

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on E 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures