1205 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 1205 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,105 sqft · built 1949
Lot Size	0.63 acres (27,442 sqft)
Owner	Individual Name on File
Tax Bill	$1,026 (2025)
Deeds & Mortgages	Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`21275-000-000`

Property Details

APN / Parcel Number

Primary APN	`21275-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,105 sqft Living Area
1st Floor Area	1,916 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	27,442 sqft (0.63 acres)
Lot Dimensions	157 ft deep x 175 ft wide
Driveway	Driveway

Exterior Amenities

Porch	Florida Room
Porch Area	378 sqft
Deck Area	108 sqft
Patio Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1205 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-4001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 4TH ADD LOTS 9,10,11 & W1/2 LOT 8 BLK 66 & 1/2 VACATED ALLEY ORB 4713 P 2028
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 4TH ADD
Legal Block	66,1
Legal Lot Number	8,9
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2002
Census Tract	1900

Owner

1205 E 2nd Ct is owned and occupied by an individual who acquired it in July 2023.

Source: Bay County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	1205 E 2ND CT, PANAMA CITY, FL 32401-4001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Widow or Widower

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 27, 2023
Transfer Doc	0047132028
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 27, 2023
Property Address	1205 E 2ND CT, PANAMA CITY, FL 32401-4001
Document Number	0047132028
Book / Page	4713 / 2028
Map Reference	MB 1 PG 72
Instrument Date	Jul 27, 2023
Instrument	2023046985
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2808 AVON RD, PANAMA CITY, FL 32405-7013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 E 2ND CT, PANAMA CITY, FL 32401-4001

Tax Assessment & Valuation

The 2025 property tax bill for 1205 E 2nd Ct was $1,026 with exemptions applied, down 9.4% from the year before.

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	$1,026.00 (-9.36%) Homeowner's exemption Widower's exemption	$112,016	$205,189 Land $124,609 Building $80,580
2024	$1,132.00 (-2.5%)
2023	$1,161.00 (-4.52%) Homeowner's exemption Widower's exemption	$105,688 (+3.51%)	$179,122 (+12.06%) Land $111,882 Building $67,240
2022	$1,216.00 Homeowner's exemption Widower's exemption	$102,105	$159,842 Land $98,980 Building $60,862

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

Flood

FEMA maps place 1205 E 2nd Ct 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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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

Wildfire risk around 1205 E 2nd Ct 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	Direct burnable vegetation

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 258 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
T-Mobile Fixed Wireless	100 / 20