Bay County property record for 1808 E 10th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,625 sqft · built 1970 |
| Lot Size | 0.343 acres (14,941 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,287 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16427-000-000 |
| Primary APN | 16427-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,625 sqft Living Area |
| Gross Area | 3,045 sqft |
| 1st Floor Area | 2,625 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,941 sqft (0.343 acres) |
| Lot Dimensions | 130 ft deep x 115 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 92 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1808 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4561 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | KELLYS ADD 105A3 LOTS 1, 2 BLK 6 ORB 260 P 329 ORB 281 P 430 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | KELLYS ADD |
| Legal Block | 6 |
| Legal Lot Number | 1,2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 1700 |
1808 E 10th St is owned and occupied by an individual.
Source: Bay County records, as of April 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1808 E 10TH ST, PANAMA CITY, FL 32401-4561 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1808 E 10th St was $1,287 with exemptions applied, down 7.1% 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 | $1,287.00 (-7.08%) Homeowner's exemption Widower's exemption | $128,552 (+2.9%) | $218,669 (+7.36%) Land $32,016 Building $186,653 |
| 2024 | $1,385.00 (-11.78%) Homeowner's exemption Widower's exemption | $124,929 (+3%) | $203,670 (+1.07%) Land $28,152 Building $175,518 |
| 2023 | $1,570.00 (-2.55%) Homeowner's exemption Widower's exemption | $121,290 (+3%) | $201,516 (+11.1%) Land $24,840 Building $176,676 |
| 2022 | $1,611.00 Homeowner's exemption Widower's exemption | $117,757 | $181,380 Land $21,086 Building $160,294 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1808 E 10th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.
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.
Wildfire risk around 1808 E 10th St is low, with a 0.01% annual chance of wildfire.
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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