Bay County property record for 1609 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 943 sqft · built 1956 |
| Lot Size | 0.296 acres (12,893 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,246 (2025) |
| Deeds & Mortgages | Mar 2021 Transfer Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16360-000-000 |
| Primary APN | 16360-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 943 sqft Living Area |
| 1st Floor Area | 943 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,893 sqft (0.296 acres) |
| Lot Dimensions | 129 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 244 sqft |
| Carport | Carport |
| Carport Area | 244 sqft |
| Driveway | Driveway |
| Driveway Area | 540 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 35 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1609 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | E. ROSENWALD HTS. 105A3 LOTS 16,17 BLK 3 ORB 4375 P 169 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | E. ROSENWALD HTS |
| Legal Block | 3 |
| Legal Lot Number | 16,17 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 1700 |
Source: Bay County records, as of October 12, 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 | 1609 E 9TH ST, PANAMA CITY, FL 32401-4544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2021 | Intrafamily Transfer, Transfer |
| Nov 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 11, 2021 |
| Transfer Doc | 0043750169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 11, 2021 |
| Property Address | 1609 E 9TH ST, PANAMA CITY, FL 32401-4544 |
| Document Number | 0043750169 |
| Book / Page | 4375 / 169 |
| Instrument Date | Mar 11, 2021 |
| Instrument | 2021017811 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6858 ALMONT CV, STONE MOUNTAIN, GA 30087-6333 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1609 E 9TH ST, PANAMA CITY, FL 32401-4544 |
| Document Number | 0040040164 |
| Instrument Date | Nov 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1609 E 9TH ST PANAMA CITY FL 324014544, PANAMA CITY, FL 32401-4544 |
| Document Number | 0040040164 |
|---|---|
| Date | May 1, 2018 |
| Book Page | 004004/000164 |
| Instrument | 25809 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,246.00 (-13.77%) | $78,940 (+12.55%) Land $27,840 Building $51,100 | $78,940 (+12.55%) Land $27,840 Building $51,100 |
| 2024 | $1,445.00 (+5.24%) | ||
| 2023 | $1,373.00 (+13.1%) | $70,139 (+12.21%) Land $21,600 Building $48,539 | $70,139 (+12.21%) Land $21,600 Building $48,539 |
| 2022 | $1,214.00 | $62,507 Land $18,336 Building $44,171 | $62,507 Land $18,336 Building $44,171 |
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 |
|---|---|
| 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 | 0.01% 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 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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