Bay County property record for 1212 E 25th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,608 sqft · built 1967 |
| Lot Size | 0.464 acres (20,212 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $25,000 (Feb 2019) |
| Tax Bill | $420 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Nov 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 12826-000-000 |
| Primary APN | 12826-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,608 sqft Heated Area |
| Gross Area | 2,029 sqft |
| 1st Floor Area | 616 sqft |
| 2nd Floor Area | 992 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Year Built | Built 1967 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 20,212 sqft (0.464 acres) |
| Lot Dimensions | 135 ft deep x 150 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 96 sqft |
| Fence | Fence |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air |
| Street Address | 1212 E 25TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIRIGO PARK (3.01) 104A LOTS 3, 4 & 5 LESS 6' OFF E SIDE LOT 5 BLK 2 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | DIRIGO PARK |
| Legal Block | 2 |
| Legal Lot Number | 3-5 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 1302 |
1212 E 25th St is owned and occupied by two individuals who bought it in February 2019.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1212 E 25TH ST, PANAMA CITY, FL 32405-5222 |
| 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 |
|---|---|
| Feb 22, 2019 | Warranty Deed, Transfer JON M CUPP |
| Nov 7, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2019 · Amount on File |
| Deed Sale | Feb 22, 2019 · Amount on File |
| Prior Sale | Nov 7, 2018 · Amount on File |
| Deed Document Number | 2019020305 |
| Deed Book / Page | 4093 / 0242 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 22, 2019 |
| Property Address | 1212 E 25TH ST, PANAMA CITY, FL 32405-5222 |
| Document Number | 0040930242 |
| Book / Page | 004093 / 000242 |
| Instrument Date | Feb 21, 2019 |
| Instrument | 20305 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2019 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12122 5TH ST E PANAMA CITY BEACH FL 32401, PANAMA CITY BEACH, FL 32401 |
| Document Number | 40930244 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | 004093/000244 |
| Instrument | 20306 |
| Name | JON M CUPP |
|---|---|
| Address | 1212 E 25TH ST, PANAMA CITY, FL 32405-5222 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 7, 2018 |
| Property Address | 1212 E 25TH ST, PANAMA CITY, FL 32405-5222 |
| Document Number | 0040581751 |
| Book / Page | 004058 / 001751 |
| Instrument Date | Jul 25, 2016 |
| Instrument | 63423 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $462.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1212 E 25TH ST PANAMA CITY FL 324055222, PANAMA CITY, FL 32405-5222 |
The 2025 property tax bill for 1212 E 25th St was $420 with a homeowner's exemption, down 6.3% from the year before.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $420.00 (-6.25%) Homeowner's exemption | $70,739 (+2.9%) | $138,627 (+10.05%) Land $58,200 Building $80,427 |
| 2024 | $448.00 (+0.9%) Homeowner's exemption | $68,745 (+3%) | $125,963 (+11.3%) Land $50,197 Building $75,766 |
| 2023 | $444.00 (+8.29%) Homeowner's exemption | $66,743 (+3%) | $113,177 (+12.71%) Land $43,650 Building $69,527 |
| 2022 | $410.00 Homeowner's exemption | $64,799 | $100,414 Land $37,248 Building $63,166 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1212 E 25th St in Zone X, an area of minimal flood risk, within 500 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 500 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 1212 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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