1209 E 10th St, Panama City, FL 32401 Property Records

Bay County property record for 1209 E 10th St, Panama City, FL 32401

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,320 sqft · built 1960
Lot Size	0.257 acres (11,194 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jan 2025)
Tax Bill	$2,488 (2025)
Deeds & Mortgages	Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`16969-000-000`

Property Details

APN / Parcel Number

Primary APN	`16969-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2000
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Other
Lot Area	11,194 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Driveway	Driveway
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	1209 E 10TH ST
City	PANAMA CITY
State	FL
Zip	32401-4242
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	PC01
Legal Description	BAYOU PLAT LOTS 13 & 14 BLK 3 ORB 399 P 493 ORB 4294 P 1070
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	BAYOU PLAT
Legal Block	3
Legal Lot Number	13,14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2021
Census Tract	1700

Owner

Source: Bay County records, as of August 12, 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	Individual Name on Record
Mailing Address	1209 E 10TH ST, PANAMA CITY, FL 32401-4242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2025 · Amount on Record
Deed Sale	Jan 15, 2025 · Amount on Record
Prior Sale	Sep 2, 2020 · Amount on Record
Deed Document Number	20252209
Deed Book / Page	4876 / 39
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 2, 2020
Property Address	1209 E 10TH ST, PANAMA CITY, FL 32401-4242
Document Number	0042941070
Book / Page	004294 / 001070
Instrument Date	Aug 26, 2020
Instrument	58010
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$654.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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	$2,488.00 (+7.57%)	$118,330 (+6.85%)	$122,018 (+10.18%) Land $25,088 Building $96,930
2024	$2,313.00 (+21.93%)	$110,745 (+9.14%) Land $23,520 Building $87,225	$110,745 (+9.14%) Land $23,520 Building $87,225
2023	$1,897.00 (+14.83%)	$101,475 (+13.41%) Land $21,168 Building $80,307	$101,475 (+13.41%) Land $21,168 Building $80,307
2022	$1,652.00	$89,480 Land $15,758 Building $73,722	$89,480 Land $15,758 Building $73,722

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
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 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.

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 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