1900 Beck Ave, Panama City, FL 32405 Property Records

Bay County property record for 1900 Beck Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,727 sqft · built 1958
Lot Size	0.247 acres (10,759 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,429 (Jul 2023)
Tax Bill	$4,150 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28863-000-000`

Property Details

APN / Parcel Number

Primary APN	`28863-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,727 sqft Living Area
1st Floor Area	1,727 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,759 sqft (0.247 acres)
Lot Dimensions	135 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	56 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1900 BECK AVE
City	PANAMA CITY
State	FL
Zip	32405-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	HENTZ 1ST ADD UNIT B REPLAT LOT 10 BLK 13 ORB 4708 P 285
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD
Legal Block	13
Legal Lot Number	10
Legal Unit	B
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1020
Census Tract	2300

Owner

Source: Bay County records, as of May 21, 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	1900 BECK AVE, PANAMA CITY, FL 32405-2453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED FIDELITY FUNDING CORP
Apr 23, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 15, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2023 · Amount on Record
Deed Sale	Jul 10, 2023 · Amount on Record
Prior Sale	Apr 23, 2021 · Amount on Record
Deed Document Number	202342847
Deed Book / Page	4708 / 285
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 10, 2023
Property Address	1900 BECK AVE, PANAMA CITY, FL 32405-2453
Document Number	0047080285
Book / Page	4708 / 285
Map Reference	MB 9 PG 62
Instrument Date	Jul 10, 2023
Instrument	2023042847
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	ANCHOR TITLE COMPANY, ANCHOR TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,921.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 THOMAS DR, MARTINEZ, GA 30907-1548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 BECK AVE, PANAMA CITY, FL 32405-2453

Mortgage

Document Number	0004708287
Date	Jul 10, 2023
Instrument	4708/287

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 23, 2021
Property Address	1900 BECK AVE, PANAMA CITY, FL 32405-2453
Document Number	0043951710
Book / Page	4395 / 1710
Map Reference	MB 9 PG 62
Instrument Date	Apr 22, 2021
Instrument	2021030211
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	NOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2805 FAIRMONT DR, 2805, PANAMA CITY, FL 32405-4333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 JENKS AVE, PANAMA CITY, FL 32405-0401

Mortgage

Document Number	43951712
Date	Apr 23, 2021
Instrument	4395/1712

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 15, 2019
Property Address	1900 BECK AVE, PANAMA CITY, FL 32405-2453
Document Number	0041441607
Book / Page	4144 / 1607
Map Reference	MB 9 PG 62
Instrument Date	Jul 12, 2019
Instrument	2019064109
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SOUTHERN SANDS T&E

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,064.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 BECK AVE, 1900, PANAMA CITY, FL 32405-2453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4802 W 19TH ST, PANAMA CITY, FL 32405-1109

Mortgage

Document Number	0041441608
Date	Jul 15, 2019
Instrument	4144/1608

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,150.00 (+3.05%)	$260,042 (+16.72%)	$268,238 (+20.39%) Land $51,061 Building $217,177
2024	$4,027.00 (+1.85%)
2023	$3,954.00 (+17.68%)	$222,800 (+13.36%) Land $38,567 Building $184,233	$222,800 (+13.36%) Land $38,567 Building $184,233
2022	$3,360.00	$196,542 Land $27,470 Building $169,072	$196,542 Land $27,470 Building $169,072

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	71 (1982–2021)
Claims Outside the SFHA	55 of 71
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Hurricane Michael, Oct 2018 · 19 claims Severe Storms And Flooding, Jul 2013 · 14 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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