Bay County property record for 1903 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 620 sqft · built 1940 |
| Lot Size | 0.164 acres (7,143 sqft) |
| Owner | Individual Name on File |
| Last Sale | $30,000 (Sep 2008) |
| Tax Bill | $583 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16445-000-000 |
| Primary APN | 16445-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 620 sqft Living Area |
| 1st Floor Area | 620 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,143 sqft (0.164 acres) |
| Lot Dimensions | 130 ft deep x 55 ft wide |
| Porch | Open Porch |
| Porch Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1903 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | KELLEYS ADD 105A3 LOT 12 BLK 7 ORB 1718 P 897 ORB 1809 P 2310 ORB 2889 P 1705 ORB 2939 P 386 ORB 3091 P 2286 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | KELLEYS ADD |
| Legal Block | 7 |
| Legal Lot Number | 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 1700 |
1903 E 9th St is owned by an individual who bought it in September 2008.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1230 PADGETT DR, YOUNGSTOWN, FL 32466-3800 |
| 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 |
|---|---|
| Last Sale | Sep 29, 2008 · Amount on File |
| Deed Sale | Sep 29, 2008 · Amount on File |
| Prior Sale | Jun 25, 2007 · Amount on File |
| Deed Document Number | 200860849 |
| Deed Book / Page | 3091 / 2286 |
| Prior Transfer Date | Feb 20, 2007 |
| Prior Transfer Doc | 0028891705 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1903 E 9th St was $583, down 30.1% 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 | $583.00 (-30.1%) | $36,928 Land $15,312 Building $21,616 | $36,928 Land $15,312 Building $21,616 |
| 2024 | $834.00 (+12.55%) | ||
| 2023 | $741.00 (+10.43%) | $32,567 (+12.39%) Land $11,880 Building $20,687 | $32,567 (+12.39%) Land $11,880 Building $20,687 |
| 2022 | $671.00 | $28,977 Land $10,084 Building $18,893 | $28,977 Land $10,084 Building $18,893 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1903 E 9th 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 1903 E 9th 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 266 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 |
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