Bay County property record for 2003 Shepherd St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,170 sqft · built 1976 |
| Lot Size | 0.105 acres (4,574 sqft) |
| Owner | Owner Name on File |
| Last Sale | $28,000 (Nov 2010) |
| Tax Bill | $1,013 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 27997-036-000 |
| Primary APN | 27997-036-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,170 sqft Heated Area |
| Gross Area | 1,260 sqft |
| 1st Floor Area | 1,170 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,574 sqft (0.105 acres) |
| Lot Dimensions | 100 ft deep x 46 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 30 sqft |
| Patio Area | 300 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2003 SHEPHERD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC01 |
| Legal Description | COLLEGE VILLAGE UNIT 1 BEG W/MOST COR LOT 10 TH NE 34' SE 100' SW 46' NW 100' NE |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | COLLEGE VILLAGE UNIT 1 |
| Legal Block | A |
| Legal Lot Number | 10 11 |
| Legal Unit | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 2400 |
The current owner of 2003 Shepherd St bought it in November 2010.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 418 N COVE BLVD, PANAMA CITY, FL 32401-3726 |
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 | Nov 15, 2010 · Amount on File |
| Deed Sale | Nov 15, 2010 · Amount on File |
| Deed Document Number | 2010060171 |
| Deed Book / Page | 3283 / 1611 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2003 Shepherd St was $1,013.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,013.00 | $91,271 Land $20,879 Building $70,392 | $91,271 Land $20,879 Building $70,392 |
| 2023 | $1,196.00 (+11.57%) | $71,818 (+11.82%) Land $15,640 Building $56,178 | $71,818 (+11.82%) Land $15,640 Building $56,178 |
| 2022 | $1,072.00 | $64,226 Land $13,059 Building $51,167 | $64,226 Land $13,059 Building $51,167 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2003 Shepherd St in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 55 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 15 (1995–2021) |
| Claims Outside the SFHA | 2 of 15 |
| Most Recent Claim | Oct 2021 · other causes |
| Claims by Event |
|
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 2003 Shepherd St is low, with less than 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 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.
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 457 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 |
May also be available: T-Mobile.
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