2010 Shepherd St, Panama City, FL 32405 Property Records

Bay County property record for 2010 Shepherd St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,204 sqft · built 1974
Lot Size	0.16 acres (6,969 sqft)
Owner	Company Name on File
Last Sale	$100,000 (May 2022)
Tax Bill	$1,644 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit May 2022 Sale
Flood Zone	Zone X (moderate risk)
APN	`27997-196-000`

Property Details

APN / Parcel Number

Primary APN	`27997-196-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,204 sqft Living Area
Gross Area	1,512 sqft
1st Floor Area	1,204 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,969 sqft (0.16 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	308 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2010 SHEPHERD ST
City	PANAMA CITY
State	FL
Zip	32405-1448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	COLLEGE VILLAGE UNIT # 1 LOT 3 BLK B ORB 4566 P 993
Legal Range	15W
Legal Township	03S
Legal Section	35
Legal Subdivision	COLLEGE VILLAGE
Legal Block	B
Legal Lot Number	3
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2026
Census Tract	2400

Owner

2010 Shepherd St is owned by a company that bought it in May 2022.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 9881, PANAMA CITY, FL 32417-0281
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU
May 19, 2022	Warranty Deed, Transfer NOT AVAILABLE, DEFENDER T&E AGCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2022 · Amount on File
Deed Sale	May 19, 2022 · Amount on File
Deed Document Number	202238230
Deed Book / Page	4566 / 993
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2010 SHEPHERD ST, PANAMA CITY, FL 32405-1448
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 DOLPHIN HARBOUR DR, PANAMA CITY BEACH, FL 32407-5438

Mortgage

Document Number	0046122156
Date	Sep 21, 2022
Book Page	4612/2156
Instrument	2022070144

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2037

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 19, 2022
Property Address	2010 SHEPHERD ST, PANAMA CITY, FL 32405-1448
Document Number	0045660993
Book / Page	4566 / 993
Map Reference	MB 11 PG 76
Instrument Date	May 19, 2022
Instrument	2022038230
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	NOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	800 COLLEGE OAKS LN, 800, LYNN HAVEN, FL 32444-9000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 9881, PANAMA CITY BEACH, FL 32417-0281

Tax Assessment & Valuation

The 2025 property tax bill for 2010 Shepherd St was $1,644, down 9% from the year before.

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	$1,644.00 (-8.97%)	$104,102 Land $31,773 Building $72,329	$104,102 Land $31,773 Building $72,329
2024	$1,806.00 (+9.99%)
2023	$1,642.00 (+45.83%)	$86,762 (+51.32%) Land $23,800 Building $62,962	$86,762 (+51.32%) Land $23,800 Building $62,962
2022	$1,126.00	$57,335 Land $19,873 Building $37,462	$57,335 Land $19,873 Building $37,462

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

Flood

FEMA maps place 2010 Shepherd St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 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	Hurricane Michael, Oct 2018 · 6 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 3 claims Hurricane Opal, Oct 1995 · 5 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

Wildfire risk around 2010 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.

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 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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