Bay County property record for 2020 E 7th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 896 sqft · built 1989 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Dec 2024) |
| Tax Bill | $2,079 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22707-000-000 |
| Primary APN | 22707-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 896 sqft Heated Area |
| Gross Area | 960 sqft |
| 1st Floor Area | 896 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Driveway | Driveway |
| Driveway Area | 480 sqft |
| Porch | Porch |
| Porch Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2020 E 7TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | EMMONS ADD LOT 1 & N 36' LOT 2 BLK 1 ORB 4865 P 474 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | EMMONS ADD |
| Legal Block | 1 |
| Legal Lot Number | 1,2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2052 |
| 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 | 2020 E 7TH ST, PANAMA CITY, FL 32401-4607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2024 · Amount on Record |
| Deed Sale | Dec 4, 2024 · Amount on Record |
| Deed Document Number | 2024070594 |
| Deed Book / Page | 4865 / 474 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2020 E 7TH ST, PANAMA CITY, FL 32401-4607 |
| Document Number | 0038750621 |
| Book / Page | 003875 / 000621 |
| Instrument Date | Feb 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Name | Verified Name |
|---|---|
| Address | 2020 E 7TH ST PANAMA CITY BEACH FL 324014607, PANAMA CITY BEACH, FL 32401-4607 |
| Document Number | 0038750621 |
|---|---|
| Date | Feb 20, 2017 |
| Book Page | 003875/000621 |
| Instrument | 9232 |
| Name | GREENLIGHT LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 19, 2047 |
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 | $2,079.00 (+260.31%) | $131,658 (+160.41%) Land $29,000 Building $102,658 | $131,658 (+100.44%) Land $29,000 Building $102,658 |
| 2023 | $577.00 (-2.86%) Homeowner's exemption | $50,557 (+7.71%) | $65,683 (+19.63%) Land $22,500 Building $43,183 |
| 2022 | $594.00 Homeowner's exemption | $46,940 | $54,904 Land $19,100 Building $35,804 |
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 100 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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