Bay County property record for 1703 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,934 sqft · built 1999 |
| Lot Size | 0.492 acres (21,475 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $718 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16426-000-000 |
| Primary APN | 16426-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,934 sqft Heated Area |
| Gross Area | 2,504 sqft |
| 1st Floor Area | 1,934 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 21,475 sqft (0.492 acres) |
| Lot Dimensions | 139 ft deep x 120 ft wide |
| Garage Type | Carport |
| Garage Area | 506 sqft |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 320 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1703 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | KELLY'S ADD 105A3 LOTS 7, 8 BLK 5 ** AND ** |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | KELLYS ADD |
| Legal Block | 5 |
| Legal Lot Number | 7,8 8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 1700 |
Source: Bay County records, as of January 23, 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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 1703 E 9TH ST, PANAMA CITY, FL 32401-4546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 27, 2021 | Deed of Trust, Mortgage · VA Mortgage REGIONS BANK |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Transfer Date | Aug 9, 2022 |
| Transfer Doc | 0045962125 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 9, 2022 |
| Property Address | 1703 E 9TH ST, PANAMA CITY, FL 32401-4546 |
| Document Number | 0045962125 |
| Book / Page | 4596 / 2125 |
| Instrument Date | Aug 9, 2022 |
| Instrument | 2022058987 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1703 E 9TH ST, 1703, PANAMA CITY, FL 32401-4546 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1703 E 9TH ST, PANAMA CITY, FL 32401-4546 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1703 E 9TH ST, PANAMA CITY, FL 32401-4546 |
| Document Number | 0045030716 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 4503/716 |
| Instrument | 2021097413 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
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 | $718.00 (-66.7%) Homeowner's exemption Widower's exemption | $164,603 (+5.99%) | $199,378 (+8.61%) Land $42,175 Building $157,203 |
| 2023 | $2,156.00 (+3.75%) Homeowner's exemption | $155,305 (+3%) | $183,576 (+10.81%) Land $32,722 Building $150,854 |
| 2022 | $2,078.00 Homeowner's exemption | $150,782 | $165,668 Land $27,776 Building $137,892 |
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 98% of the US · lower than 97.6% 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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