Bay County property record for 1808 E 11th St, Panama City, FL 32401
| Property Type | Auto Repair, Garage |
|---|---|
| Details | 8,000 sqft · built 1987 |
| Lot Size | 0.518 acres (22,564 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,606 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 16402-010-000 |
| Primary APN | 16402-010-000 |
|---|
| Total Rooms | 3 Rooms |
|---|---|
| Units | 3 Units |
| Stories | 1 Story |
| Building Area | 8,000 sqft Gross Area |
| 1st Floor Area | 8,000 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Fire Resistance | Fireproof Steel Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 22,564 sqft (0.518 acres) |
| Lot Dimensions | 134 ft deep x 112 ft wide |
| Cooling System | HVAC |
|---|
| Street Address | 1808 E 11TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4441 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Auto Repair, Garage |
| Local Zoning Code | PC09 |
| Legal Description | KELLYS ADD. 105A3 LOTS 4, 5 & 6 BLK 2 ORB 3860 P 2254 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | KELLYS ADD |
| Legal Block | 2 |
| Legal Lot Number | 4,5,6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 1700 |
1808 E 11th St, a commercial property, is owned by two individuals who acquired it in December 2016.
Source: Bay County records, as of January 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1914 DEWITT ST, PANAMA CITY, FL 32401-4049 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2016 |
| Deed Sale | Dec 1, 2016 |
| Prior Sale | Nov 14, 2001 · Amount on File |
| Deed Book / Page | 3860 / 2254 |
| Prior Transfer Date | Oct 11, 2001 |
| Prior Transfer Doc | 0020860103 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1808 E 11TH ST, PANAMA CITY, FL 32401-4441 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0049862104 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 4986/2104 |
| Instrument | 2025075087 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32405 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1808 E 11th St was $2,606, down 23.4% 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 | $2,606.00 (-23.4%) | $165,012 Land $83,493 Building $81,519 | $165,012 Land $83,493 Building $81,519 |
| 2024 | $3,402.00 (+8.31%) | ||
| 2023 | $3,141.00 (+12.66%) | $179,670 (+9.13%) Land $83,493 Building $96,177 | $179,670 (+9.13%) Land $83,493 Building $96,177 |
| 2022 | $2,788.00 | $164,641 Land $68,464 Building $96,177 | $164,641 Land $68,464 Building $96,177 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1808 E 11th 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 AE, 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 1808 E 11th St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 45 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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