1403 E 11th St, Panama City, FL 32401 Property Records

Bay County property record for 1403 E 11th St, Panama City, FL 32401

Property Summary

Property Type	Commercial Vacant Land
Details	2 ba · 4,296 sqft · built 1958
Lot Size	0.826 acres (35,980 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Mar 2024)
Tax Bill	$2,240 (2025)
Deeds & Mortgages	Mar 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`16045-000-000`

Property Details

APN / Parcel Number

Primary APN	`16045-000-000`

Interior

Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	4,296 sqft Total Area
Gross Area	4,824 sqft
1st Floor Area	4,296 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Combination
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,980 sqft (0.826 acres)
Lot Dimensions	300 ft deep x 120 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1403 E 11TH ST
City	PANAMA CITY
State	FL
Zip	32401
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	BC05
Legal Description	3 4S 14W -226-105A BEG 33 N & 655 E OF SW COR OF NW1/4 TH N 300 E 120 S 300 W 120 TO POB ORB 119 P 371 ORB 329 P131 ORB 3629 P 2083 ORB 4783 P 2381
Legal Range	14W
Legal Township	04S
Legal Section	03
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2006
Census Tract	1700

Owner

1403 E 11th St, commercial vacant land, is owned and occupied by an individual who bought it in March 2024.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	1403 E 11TH ST, PANAMA CITY, FL 32401
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2024 · Amount on File
Deed Sale	Mar 19, 2024 · Amount on File
Deed Document Number	202415688
Deed Book / Page	4783 / 2381
Prior Transfer Date	Aug 5, 2014
Prior Transfer Doc	0036292083
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 19, 2024
Property Address	1403 E 11TH ST, PANAMA CITY, FL 32401
Document Number	0047832381
Book / Page	4783 / 2381
Instrument Date	Mar 15, 2024
Instrument	2024015688
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3330 DOUGLAS RD, PANAMA CITY, FL 32405-7115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1403 E 11TH ST, PANAMA CITY, FL 32401

Tax Assessment & Valuation

The 2025 property tax bill for 1403 E 11th St was $2,240, up 13% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,240.00 (+12.96%)	$181,102 (-) Land $180,000 Building $1,102	$181,102 (-) Land $180,000 Building $1,102
2024	$1,983.00 (+3.17%)	$181,102 (-) Land $180,000 Building $1,102	$181,102 (-) Land $180,000 Building $1,102
2023	$1,922.00 (+26.2%)	$181,102 (+24.81%) Land $180,000 Building $1,102	$181,102 (+24.81%) Land $180,000 Building $1,102
2022	$1,523.00	$145,102 Land $144,000 Building $1,102	$145,102 Land $144,000 Building $1,102

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

Flood

FEMA maps place 1403 E 11th 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
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

Wildfire risk around 1403 E 11th St is low, with less than a 0.01% annual chance of 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