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

Bay County property record for 124 E 2nd Ct, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,011 sqft · built 1948
Lot Size0.178 acres (7,797 sqft)
OwnerIndividual Name on Record
Last Sale$30,000 (Sep 1995)
Tax Bill$285 (2025)
Deeds & MortgagesApr 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN20261-000-000

Property Details

APN / Parcel Number

Primary APN20261-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,011 sqft Heated Area
Gross Area1,219 sqft
1st Floor Area1,011 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1988
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area7,797 sqft (0.178 acres)
Lot Dimensions130 ft deep x 60 ft wide
PorchPorch
Porch Area208 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address124 E 2ND CT
CityPANAMA CITY
StateFL
Zip32401-3213
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal DescriptionHARMON PLAT W 10' LOT 2 & ALL LOT 3 BLK 2 ORB 1585 P 313
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionHARMON PLAT
Legal Block2
Legal Lot Number2,3
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1008
Census Tract1900

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address124 E 2ND CT, PANAMA CITY, FL 32401-3213
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 6, 1995 · Amount on Record
Deed SaleSep 6, 1995 · Amount on Record
Deed Document Number0001585313
Record UpdatedJun 8, 2026

April 2018: Quit Claim Deed, Mortgage

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateApr 4, 2018
Property Address124 E 2ND CT, PANAMA CITY, FL 32401-3213
Document Number0039950724
Book / Page003995 / 000724
Instrument DateMar 27, 2018
Instrument19574
Transaction TypeMortgage
Record UpdatedApr 17, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3231 RIVER CANYON TRL CHATTANOOGA TN 374191172, CHATTANOOGA, TN 37419-1172

Mortgage

Document Number39950731
DateApr 4, 2018
Book Page003995/000731
Instrument19578
Lender
NameCHARLES E WHITE
Agreement
TypeConventional with PMI
AmountAmount Recorded

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$285.00 (-32.94%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption$59,056 (+2.9%)$108,266 (+3.88%) Land $40,032 Building $68,234
2024$425.00 (-8.99%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption$57,392 (+3%)$104,226 (+17.73%) Land $40,032 Building $64,194
2023$467.00 (-22.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption$55,720 (+3%)$88,527 (+12.09%) Land $34,560 Building $53,967
2022$601.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption$54,097$78,982 Land $30,009 Building $48,973

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 38 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies184 units insured
incl. 146 condo units
Nearby Flood Claims75 (1982–2018)
Claims Outside the SFHA41 of 75
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 33 claims
  • Hurricane Opal, Oct 1995 · 37 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

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 261 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: T-Mobile.

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