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2012 E 8th St, Panama City, FL 32401 Property Records

Bay County property record for 2012 E 8th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,740 sqft · built 2001
Lot Size0.233 acres (10,149 sqft)
Owner2 Individual Names on Record
Last Sale$255,000 (Mar 2024)
Tax Bill$3,376 (2025)
Deeds & MortgagesMar 2026 Mortgage
Mar 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN16120-000-000

Property Details

APN / Parcel Number

Primary APN16120-000-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,740 sqft Living Area
Gross Area2,180 sqft
1st Floor Area1,740 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,149 sqft (0.233 acres)
Lot Dimensions164 ft deep x 62 ft wide
Garage TypeAttached
Garage Area440 sqft
DrivewayDriveway
Driveway Area768 sqft
PorchOpen Porch
Porch Area24 sqft
Patio Area528 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2012 E 8TH ST
CityPANAMA CITY
StateFL
Zip32401-4624
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal DescriptionSHERMANS 2ND ADD. 105A4 LOT 4 & W 6 OF LOT 5 BLK G ORB 4778 P 1845
Legal Range14W
Legal Township04S
Legal Section03
Legal SubdivisionSHERMANS 2ND ADD
Legal BlockG
Legal Lot Number4,5
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1017
Census Tract1700

Owner

Source: Bay County records, as of March 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address224 N JAMES AVE, PANAMA CITY, FL 32401-6111
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 9, 2026Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Mar 1, 2024Warranty Deed, Transfer · VA Mortgage
CARDINAL FINANCIAL COMPANY LP
Apr 20, 2022Warranty Deed, Transfer · Conventional Mortgage
AMERANT MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 1, 2024 · Amount on Record
Deed SaleMar 1, 2024 · Amount on Record
Prior SaleApr 20, 2022 · Amount on Record
Deed Document Number202411835
Deed Book / Page4778 / 1845
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address2012 E 8TH ST, PANAMA CITY, FL 32401-4624
Transaction TypeMortgage
Record UpdatedMar 25, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2012 E 8TH ST, PANAMA CITY, FL 32401-4624

Mortgage

Document Number0050100445
DateMar 9, 2026
Book Page5010/445
Instrument2026013982
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 1, 2024
Property Address2012 E 8TH ST, PANAMA CITY, FL 32401-4624
Document Number0047781845
Book / Page4778 / 1845
Map ReferenceMB 3 PG 11
Instrument DateFeb 29, 2024
Instrument2024011835
Transaction TypeTransfer
Record UpdatedMar 26, 2024
Title CompanyNOT AVAILABLE, BURG TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,785.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2709 SANTA BARBARA CT, PLANT CITY, FL 33566-4624

Transferred To (Grantee/Buyer)

NameVerified Name
Address224 N JAMES AVE, PANAMA CITY, FL 32401-6111

Mortgage

Document Number0047781847
DateMar 1, 2024
Instrument4778/1847
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2054

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 20, 2022
Property Address2012 E 8TH ST, PANAMA CITY, FL 32401-4624
Document Number0045530454
Book / Page4553 / 454
Map ReferenceMB 3 PG 11
Instrument DateApr 18, 2022
Instrument2022029525
Transaction TypeTransfer
Record UpdatedMay 11, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,155.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address21822 E 8TH AVE, 21822, AURORA, CO 80018-3209

Transferred To (Grantee/Buyer)

NameVerified Name
Address5619 HOMEY RD, TAMPA, FL 33610

Mortgage

Document Number0004553456
DateApr 20, 2022
Instrument4553/456
Lender
NameAMERANT MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,376.00 (+36.13%)$213,816 (+55.83%) Land $20,956 Building $192,860$213,816 (+55.83%) Land $20,956 Building $192,860
2024$2,480.00 (-2.52%)
2023$2,544.00 (+108.35%)$137,208 (+39.48%) Land $14,185 Building $123,023$137,208 (+23.56%) Land $14,185 Building $123,023
2022$1,221.00 Homeowner's exemption Disabled Person's exemption$98,372$111,042 Land $13,218 Building $97,824

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 15 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims16 (1999–2024)
Claims Outside the SFHA12 of 16
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 2 claims
  • Hurricane Michael, Oct 2018 · 4 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 266 locations within half a mile, as of December 31, 2025

ProviderMax 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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