Bay County property record for 1807 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,335 sqft · built 1945 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,000 (Apr 2026) |
| Tax Bill | $3,141 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16433-000-000 |
| Primary APN | 16433-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,335 sqft Living Area |
| Gross Area | 1,986 sqft |
| 1st Floor Area | 1,335 sqft |
| Interior Walls | Wood |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,969 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 80 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|
| Street Address | 1807 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | KELLEYS ADD 105A3 LOT 10 BLK 6 & SOUTH 10 OF OF CLOSED 20 ALLEY LYING NORTH BOUNDRY LINE ORB 4227 P 1382 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | KELLEYS ADD |
| Legal Block | 6 |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 1700 |
Source: Bay County records, as of July 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1807 E 9TH ST, PANAMA CITY, FL 32401-4548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 20, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 20, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 2, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on Record |
| Deed Sale | Apr 20, 2026 · Amount on Record |
| Prior Sale | Mar 2, 2020 · Amount on Record |
| Deed Document Number | 202623115 |
| Deed Book / Page | 5025 / 575 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 1807 E 9TH ST, PANAMA CITY, FL 32401-4548 |
| Document Number | 0050250575 |
| Book / Page | 5025 / 575 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 202623115 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226,240.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1807 E 9TH ST, PANAMA CITY, FL 32401-4548 |
| Document Number | 0000023116, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202623116 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.25% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 1807 E 9TH ST, PANAMA CITY, FL 32401-4548 |
| Document Number | 0000023115 |
| Book / Page | 5025 / 575 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 2026.23115 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2026 |
| Title Company | OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226,240.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1807 E 9TH ST, PANAMA CITY, FL 32401-4548 |
| Document Number | 0000023116, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026..23116 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 2, 2020 |
| Property Address | 1807 E 9TH ST, PANAMA CITY, FL 32401-4548 |
| Document Number | 0042271382 |
| Book / Page | 004227 / 001382 |
| Instrument Date | Feb 27, 2020 |
| Instrument | 15706 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $84.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 35384 PANAMA CITY FL 324125384, PANAMA CITY, FL 32412-5384 |
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 | $3,141.00 (+1,402.87%) | $197,979 (+1,695.73%) | $200,666 (+1,720.1%) Land $14,210 Building $186,456 |
| 2024 | $209.00 (-42.9%) | ||
| 2023 | $366.00 (+5.48%) | $11,025 (+17.8%) Land $11,025 | $11,025 (+17.8%) Land $11,025 |
| 2022 | $347.00 | $9,359 Land $9,359 | $9,359 Land $9,359 |
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 |
|---|---|
| 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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