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1304 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 1304 E 2nd Ct, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,267 sqft · built 1949
Lot Size0.237 acres (10,323 sqft)
OwnerIndividual Name on Record
Last Sale$215,000 (Mar 2021)
Tax Bill$3,640 (2025)
Deeds & MortgagesMar 2021 Sale & Mortgage
Oct 2020 Sale & Construction Loan
+ 1 more
Flood ZoneZone X (minimal risk)
APN21314-000-000

Property Details

APN / Parcel Number

Primary APN21314-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,267 sqft Living Area
1st Floor Area1,267 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 2019
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,323 sqft (0.237 acres)
Lot Dimensions138 ft deep x 75 ft wide
Garage TypeAttached
Garage Area264 sqft
DrivewayDriveway
PorchOpen Porch
Porch Area21 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1304 E 2ND CT
CityPANAMA CITY
StateFL
Zip32401-4004
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC02
Legal DescriptionSUDDUTHS 4TH ADD LOT 3 LESS S 12.5 & E1/2 LOT LOT 2 LESS S 12.5 BLK 68 ORB 4381 P 867
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionSUDDUTHS 4TH ADD
Legal Block68
Legal Lot Number3,2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2021
Census Tract1900

Owner

Source: Bay County records, as of October 9, 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 Address1304 E 2ND CT, PANAMA CITY, FL 32401-4004
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2021Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
GUILD MORTGAGE CO
Oct 27, 2020Warranty Deed, Construction Loan · Construction Mortgage
LENDINGHOME FUNDING CORP
Feb 5, 2019Grant Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 25, 2021 · Amount on Record
Deed SaleMar 25, 2021 · Amount on Record
Prior SaleOct 27, 2020 · Amount on Record
Deed Document Number202121697
Deed Book / Page4381 / 867
Record UpdatedOct 29, 2026

March 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 25, 2021
Property Address1304 E 2ND CT, PANAMA CITY, FL 32401-4004
Document Number0043810867
Book / Page4381 / 867
Map ReferenceMB 1 PG 72
Instrument DateMar 23, 2021
Instrument2021021697
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 27, 2022
Title CompanyKNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6227 SW 14TH ST, 6227, WEST MIAMI, FL 33144-5605

Transferred To (Grantee/Buyer)

NameVerified Name
Address1304 E 2ND CT, PANAMA CITY, FL 32401-4004

Mortgage

Document Number0004381869
DateMar 25, 2021
Instrument4381/869
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

October 2020: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 27, 2020
Property Address1304 E 2ND CT, PANAMA CITY, FL 32401-4004
Document Number0043150858
Book / Page4315 / 858
Map ReferenceMB 1 PG 72
Instrument DateOct 23, 2020
Instrument2020071345
Transaction TypeConstruction Loan
Record UpdatedJul 27, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$686.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1702 RHODE ISLAND AVE, 1702, LYNN HAVEN, FL 32444-4162

Transferred To (Grantee/Buyer)

NameVerified Name
Address6227 SW 14TH ST, WEST MIAMI, FL 33144-5605

Mortgage

Document Number0004315860
DateOct 27, 2020
Instrument4315/860
Lender
NameLENDINGHOME FUNDING CORP
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

February 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateFeb 5, 2019
Property Address1304 E 2ND CT, PANAMA CITY, FL 32401-4004
Document Number0040870085
Book / Page004087 / 000085
Instrument DateJan 30, 2019
Instrument13800
Transaction TypeTransfer
Record UpdatedFeb 25, 2019

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1702 RHODE ISLAND AVE LYNN HAVEN FL 324444162, LYNN HAVEN, FL 32444-4162

Tax Assessment & Valuation

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

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$3,640.00 (-3.83%)$230,483 (+15.92%) Land $51,818 Building $178,665$230,483 (+15.92%) Land $51,818 Building $178,665
2024$3,785.00 (+5.23%)
2023$3,597.00 (+19.42%)$198,833 (+8.93%) Land $46,525 Building $152,308$198,833 (+8.93%) Land $46,525 Building $152,308
2022$3,012.00$182,540 Land $41,160 Building $141,380$182,540 Land $41,160 Building $141,380

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 18 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims10 (1995–2020)
Claims Outside the SFHA4 of 10
Most Recent ClaimSep 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

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 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 258 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		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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