Bay County property record for 1805 E 7th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 588 sqft · built 1940 |
| Lot Size | 0.094 acres (4,094 sqft) |
| Owner | Company Name on File |
| Last Sale | $88,000 (Feb 2024) |
| Tax Bill | $1,149 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Feb 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16288-000-000 |
| Primary APN | 16288-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 588 sqft Living Area |
| 1st Floor Area | 588 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,094 sqft (0.094 acres) |
| Lot Dimensions | 103 ft deep x 40 ft wide |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Deck Area | Deck Area |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 1805 E 7TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | PINE ORCHARDS HGTS 1ST ADD LOT 1 LESS W 20 BLK F 1.08 105A3 ORB 4775 P 492 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | PINE ORCHARDS HGTS 1ST ADD |
| Legal Block | F |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 1700 |
1805 E 7th St is owned by a company that bought it in February 2024.
Source: Bay County records, as of October 12, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1221 E 63RD ST, TACOMA, WA 98404-2424 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 21, 2024 | Warranty Deed, Construction Loan · Stand-Alone First Mortgage I DEAL HOMES REAL ESTATE HOLDINGS L |
| Feb 21, 2024 | Warranty Deed, Construction Loan · Stand-Alone First Mortgage I DELA HOMES REAL ESTATE HOLDINGS L |
| Jan 4, 2022 | Warranty Deed, Transfer · Line of Credit KIAVI FUNDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 21, 2024 · Amount on File |
| Deed Sale | Feb 21, 2024 · Amount on File |
| Prior Sale | Jan 4, 2022 · Amount on File |
| Deed Document Number | 20249483 |
| Deed Book / Page | 4775 / 492 |
| Prior Transfer Date | Mar 23, 2004 |
| Prior Transfer Doc | 0000021415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 21, 2024 |
| Property Address | 1805 E 7TH ST, PANAMA CITY, FL 32401-4603 |
| Document Number | 0047750492 |
| Book / Page | 4775 / 492 |
| Map Reference | MB 1 PG 41 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2024009483 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 28, 2024 |
| Title Company | ALBATROSS TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $616.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 3905 STATE ST # ST7-266, ST7-266, SANTA BARBARA, CA 93105-3138 |
| Name | Verified Name |
|---|---|
| Address | 1221 E 63RD ST, TACOMA, WA 98404-2424 |
| Document Number | 0004775494 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 4775/494 |
| Name | I DEAL HOMES REAL ESTATE HOLDINGS L |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 17, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 21, 2024 |
| Property Address | 1805 E 7TH ST, PANAMA CITY, FL 32401-4603 |
| Document Number | 0047750492 |
| Book / Page | 4775 / 492 |
| Map Reference | MB 1 PG 41 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2024009483 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 22, 2024 |
| Title Company | ALBATROSS TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $616.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 3905 STATE ST # ST7-266, ST7-266, SANTA BARBARA, CA 93105-3138 |
| Name | Verified Name |
|---|---|
| Address | 1221 E 63RD ST, TACOMA, WA 98404-2424 |
| Document Number | 0004775494 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 4775/494 |
| Name | I DELA HOMES REAL ESTATE HOLDINGS L |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 17, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 4, 2022 |
| Property Address | 1805 E 7TH ST, PANAMA CITY, FL 32401-4603 |
| Document Number | 0045071225 |
| Book / Page | 4507 / 1225 |
| Instrument Date | Dec 29, 2021 |
| Instrument | 2022000758 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $272.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2323 CLAREMONT DR, 2323, PANAMA CITY, FL 32405-3533 |
| Name | Verified Name |
|---|---|
| Address | 3905 STATE ST # 7-187, 7, SANTA BARBARA, CA 93105-5107 |
| Investor | Possibly a Property Investor |
| Document Number | 0045071230 |
|---|---|
| Date | Jan 4, 2022 |
| Instrument | 4507/1230 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1805 E 7th St was $1,149, up 31.5% from the year before.
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 | $1,149.00 (+31.46%) | $72,783 Land $10,092 Building $62,691 | $72,783 Land $10,092 Building $62,691 |
| 2024 | $874.00 (+8.57%) | ||
| 2023 | $805.00 (+12.27%) | $35,693 (+11.04%) Land $7,830 Building $27,863 | $35,693 (+11.04%) Land $7,830 Building $27,863 |
| 2022 | $717.00 | $32,144 Land $6,646 Building $25,498 | $32,144 Land $6,646 Building $25,498 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1805 E 7th 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 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.
Wildfire risk around 1805 E 7th St is low, with a 0.02% annual chance of wildfire.
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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