Bay County property record for 2019 E 7th Ct, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 1 ba · 1,344 sqft · built 1930 |
| Lot Size | 0.119 acres (5,184 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Sep 2025) |
| Tax Bill | $175 (2025) |
| Deeds & Mortgages | Sep 2025 Second Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16005-000-000 |
| Primary APN | 16005-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,344 sqft |
| 1st Floor Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Exterior Material | Stucco |
| Lot Area | 5,184 sqft (0.119 acres) |
| Lot Dimensions | 130 ft deep x 40 ft wide |
| Porch | Porch |
| Porch Area | 98 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Radiant |
| Street Address | 2019 E 7TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4615 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PC04 |
| Legal Description | 3 4S 14W -191- BEG 537' N & 121' W OF SE COR OF SW1/4 S 130' W 40' N 130' E 40' TO BEG |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 1700 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 543 E 9TH ST, PANAMA CITY, FL 32401-2971 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Sep 30, 2025 | Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on Record |
| Deed Sale | Sep 30, 2025 · Amount on Record |
| Prior Sale | Aug 26, 2024 · Amount on Record |
| Deed Document Number | 2025056651 |
| Deed Book / Page | 4958 / 401 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2019 E 7TH CT, PANAMA CITY, FL 32401-4615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2019 E 7TH CI, PANAMA CITY, FL 32401-4615 |
| Document Number | 0049580428 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 4958/428 |
| Instrument | 2025056654 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 30, 2025 |
| Property Address | 2019 E 7TH CT, PANAMA CITY, FL 32401-4615 |
| Document Number | 0049580401 |
| Book / Page | 4958 / 401 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 2025056651 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | OMEGA NATL TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 505 DAVID AVE, PANAMA CITY, FL 32404-6017 |
| Name | Verified Name |
|---|---|
| Address | 543 E 9TH ST, PANAMA CITY, FL 32401-2971 |
| Document Number | 0004958403 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 4958/403 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Number | 0049580418 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 4958/418 |
| Instrument | 2025056653 |
| Name | BAY COUNTY BOARD OF COUNTY COMMISSIONERS |
|---|---|
| Type | Government Agency |
| Address | PANAMA CITY, FL 32401 |
| Amount | Amount Recorded |
|---|
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 | $175.00 (-67.17%) | $11,136 (+13.73%) Land $11,136 | $11,136 (+13.73%) Land $11,136 |
| 2024 | $533.00 (+17.66%) | $9,792 (-43.33%) Land $9,792 | $9,792 (-43.33%) Land $9,792 |
| 2023 | $453.00 (+8.11%) | $17,280 (+17.81%) Land $17,280 | $17,280 (+17.81%) Land $17,280 |
| 2022 | $419.00 | $14,668 Land $14,668 | $14,668 Land $14,668 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 218 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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