Bay County property record for 1405 E 2nd Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,618 sqft · built 1954 |
| Lot Size | 0.288 acres (12,545 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Mar 2007) |
| Tax Bill | $956 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Sep 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 21780-000-000 |
| Primary APN | 21780-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,618 sqft Living Area |
| Gross Area | 1,918 sqft |
| 1st Floor Area | 1,492 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,545 sqft (0.288 acres) |
| Lot Dimensions | 126 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Driveway | Driveway |
| Driveway Area | 400 sqft |
| Porch | Florida Room |
| Porch Area | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1405 E 2ND CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | COVE TERRACE 1ST ADD. LOT 13 & W 25 LOT 12 BLK 66B ORB 308 P 621 ORB 2900 P 1127 *****AND****** SUDDUTHS 4TH ADD E1/2 LOT 3A BLK 66 ORB 2900 P 1127 MAP 105C1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | COVE TERRACE 1ST ADD |
| Legal Block | 66B |
| Legal Lot Number | 13,12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 1900 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1405 E 2ND CT, PANAMA CITY, FL 32401-4005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
| Date | Document |
|---|---|
| Sep 7, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Sep 4, 2019 | Loan Modification, Mortgage SUNTRUST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2007 · Amount on Record |
| Deed Sale | Mar 19, 2007 · Amount on Record |
| Deed Document Number | 200718223 |
| Deed Book / Page | 2900 / 1127 |
| Prior Transfer Date | Mar 9, 2007 |
| Prior Transfer Doc | 0029001127 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1405 E 2ND CT, PANAMA CITY, FL 32401-4005 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0039341910 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 3934/1910 |
| Instrument | 2017051121 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1405 E 2ND CT, PANAMA CITY, FL 32401-4005 |
| Document Number | 0041741071 |
| Instrument Date | Sep 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1405 E 2ND CT PANAMA CITY FL 324014005, PANAMA CITY, FL 32401-4005 |
| Document Number | 0041741071 |
|---|---|
| Date | Oct 2, 2019 |
| Book Page | 004174/001071 |
| Instrument | 86434 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Amount | Amount Recorded |
|---|---|
| Term | 480 Months |
| Due | Oct 1, 2059 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $956.00 (-10.32%) Homeowner's exemption | $102,600 (+5.99%) | $203,760 (+16.48%) Land $66,270 Building $137,490 |
| 2024 | $1,066.00 (+4.51%) | ||
| 2023 | $1,020.00 (+51.34%) Homeowner's exemption | $96,804 (+52.62%) | $174,936 (+170.93%) Land $59,501 Building $115,435 |
| 2022 | $674.00 Homeowner's exemption | $63,428 | $64,568 Land $52,640 Building $11,928 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 10 (1995–2020) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 258 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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