1. Home
  2. Florida
  3. Bay County
  4. Panama City
  5. E 9th St

1304 E 9th St, Panama City, FL 32401 Property Records

Bay County property record for 1304 E 9th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,665 sqft · built 1952
Lot Size0.234 acres (10,193 sqft)
OwnerIndividual Name on Record
Last Sale$239,900 (Sep 2022)
Tax Bill$2,991 (2025)
Deeds & MortgagesSep 2022 Sale & Mortgage
Oct 2021 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN16241-000-000

Property Details

APN / Parcel Number

Primary APN16241-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,665 sqft Living Area
1st Floor Area1,425 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 2022
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,193 sqft (0.234 acres)
Lot Dimensions170 ft deep x 60 ft wide
Garage TypeCarport
Garage Area240 sqft
CarportCarport
Carport Area240 sqft
DrivewayDriveway
Driveway Area252 sqft
PorchSlab
Porch Area294 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1304 E 9TH ST
CityPANAMA CITY
StateFL
Zip32401-4231
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC11
Legal Description1ST ADD TO OLD ORCHARD 105A3 LOT 16 & E 60 LOT 19 BLK 5 ORB 4611 P 1148
Legal Range14W
Legal Township04S
Legal Section03
Legal Subdivision1ST ADD TO OLD ORCHARD
Legal Block5
Legal Lot Number16,19
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2027
Census Tract1700

Owner

Source: Bay County records, as of May 6, 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 9TH ST, PANAMA CITY, FL 32401-4231
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 19, 2022Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC
Oct 19, 2021Warranty Deed, Transfer
DEFENDER T&E AGCY LLC
Sep 10, 2021Quit Claim Deed, Transfer
Quitclaim
Sep 3, 2020Warranty Deed, Transfer
FIRST INT'L TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 19, 2022 · Amount on Record
Deed SaleSep 19, 2022 · Amount on Record
Prior SaleOct 19, 2021 · Amount on Record
Deed Document Number202269142
Deed Book / Page4611 / 1148
Prior Transfer DateSep 9, 2021
Prior Transfer Doc0044590153
Record UpdatedSep 20, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 19, 2022
Property Address1304 E 9TH ST, PANAMA CITY, FL 32401-4231
Document Number0046111148
Book / Page4611 / 1148
Map ReferenceMB 8 PG 1
Instrument DateAug 30, 2022
Instrument2022069142
Transaction TypeTransfer
Record UpdatedOct 10, 2022
Title CompanyDEFENDER T&E AGCY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,679.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2205 N HARBOUR DR, 2205, LYNN HAVEN, FL 32444-2060

Transferred To (Grantee/Buyer)

NameVerified Name
Address1304 E 9TH ST, PANAMA CITY, FL 32401-4231

Mortgage

Document Number0046111150
DateSep 19, 2022
Instrument4611/1150
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2052

Mortgage

Document Number0046111163
DateSep 19, 2022
Book Page4611/1163
Instrument2022069144
Lender
NameBAY COUNTY BOARD OF COUNTY COMMISSIONERS
TypeGovernment Agency
AddressPANAMA CITY, FL 32401
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 19, 2021
Property Address1304 E 9TH ST, PANAMA CITY, FL 32401-4231
Document Number0044750398
Book / Page4475 / 398
Map ReferenceMB 8 PG 1
Instrument DateOct 15, 2021
Instrument2021080036
Transaction TypeTransfer
Record UpdatedNov 11, 2021
Title CompanyDEFENDER T&E AGCY LLC

Transaction

AmountAmount Recorded
Tax$315.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9215 CHESNEY DOWNS DR, 9215, HOUSTON, TX 77083-5614

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2205 N HARBOUR DR, LYNN HAVEN, FL 32444-2060

September 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateSep 10, 2021
Property Address1304 E 9TH ST, PANAMA CITY, FL 32401-4231
Document Number0044590153
Book / Page4459 / 153
Map ReferenceMB 8 PG 1
Instrument DateSep 9, 2021
Instrument2021069658
Transaction TypeTransfer
Record UpdatedOct 1, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4422 BYLSMA CIR, 4422, PANAMA CITY, FL 32404-1801

Transferred To (Grantee/Buyer)

NameVerified Name
Address12722 ORCHARD HOLLOW WAY, HOUSTON, TX 77065-3328

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 3, 2020
Property Address1304 E 9TH ST, PANAMA CITY, FL 32401-4231
Document Number0042950702
Book / Page004295 / 000702
Instrument DateSep 3, 2020
Instrument58505
Transaction TypeTransfer
Record UpdatedSep 15, 2020
Title CompanyFIRST INT'L TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1016 HUNTINGTON DR PANAMA CITY FL 324015143, PANAMA CITY, FL 32401-5143

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$2,991.00 (-1.64%) Homeowner's exemption$231,454 (+2.9%)$238,002 (+5.81%) Land $18,970 Building $219,032
2024$3,041.00 (-12.99%) Homeowner's exemption$224,931 (+10.1%) Land $18,720 Building $206,211$224,931 (+10.1%) Land $18,720 Building $206,211
2023$3,495.00 (+318.56%)$204,302 (+425.17%) Land $16,224 Building $188,078$204,302 (+425.17%) Land $16,224 Building $188,078
2022$835.00$38,902 Land $14,352 Building $24,550$38,902 Land $14,352 Building $24,550

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims4 (1983–2018)
Claims Outside the SFHA4 of 4
Most Recent ClaimOct 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.05% 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 322 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
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

Nearby Properties on E 9th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures