Bay County property record for 1609 E 7th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,368 sqft · built 1935 |
| Lot Size | 0.292 acres (12,763 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,441 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15973-000-000 |
| Primary APN | 15973-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,368 sqft Heated Area |
| Gross Area | 2,696 sqft |
| 1st Floor Area | 1,368 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,763 sqft (0.292 acres) |
| Lot Dimensions | 160 ft deep x 80 ft wide |
| Garage Area | 1,024 sqft |
| Driveway | Driveway |
| Driveway Area | 480 sqft |
| Porch | Porch |
| Porch Area | 304 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1609 E 7TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | 3 4S 14W -160- 105A3 BEG 65' W OF SE COR OF SE1/4 OF SW1/4 OF SW1/4 TH N 160' W |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 1700 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 909 CYPRESS AVE, PANAMA CITY, FL 32401-4253 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 14, 1988 |
| Deed Sale | Oct 14, 1988 |
| Deed Document Number | 0012041460 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,441.00 (-11.87%) | $91,267 (+7.73%) Land $24,045 Building $67,222 | $91,267 (+7.73%) Land $24,045 Building $67,222 |
| 2024 | $1,635.00 (+1.87%) | $84,720 (+2.15%) Land $21,143 Building $63,577 | $84,720 (+2.15%) Land $21,143 Building $63,577 |
| 2023 | $1,605.00 (+14.07%) | $82,936 (+11.29%) Land $18,655 Building $64,281 | $82,936 (+11.29%) Land $18,655 Building $64,281 |
| 2022 | $1,407.00 | $74,520 Land $15,836 Building $58,684 | $74,520 Land $15,836 Building $58,684 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, 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.
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 | 0.02% 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 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 |
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