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2021 E 7th Ct, Panama City, FL 32401 Property Records

Bay County property record for 2021 E 7th Ct, Panama City, FL 32401

Property Summary

Property TypeVacant Land
Details4 bd · 3 ba
Lot Size0.119 acres (5,183 sqft)
Owner2 Individual Names on Record
Last Sale$260,000 (Jul 2026)
Tax Bill$182 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Sep 2025 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN16004-000-000

Property Details

APN / Parcel Number

Primary APN16004-000-000

Exterior

Lot Area5,183 sqft (0.119 acres)
Lot Dimensions130 ft deep x 40 ft wide

Location & Zoning

Street Address2021 E 7TH CT
CityPANAMA CITY
StateFL
Zip32401-4615
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Local Zoning CodePC04
Legal Description3 4S 14W -190- 105A3 BEG AT SE COR OF SW1/4 N 537 W 80.5 FOR BEG S 130 W 40.5 N 130 E 40.5 TO BEG ORB 4106 P 2042
Legal Range14W
Legal Township04S
Legal Section03
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2035
Census Tract1700

Owner

Source: Bay County records, as of August 4, 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 Address2021 E 7TH CT, PANAMA CITY, FL 32401-4615
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 10, 2026Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Sep 18, 2025Warranty Deed, Transfer
OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATL TITLE AGENCY LLC
Apr 1, 2019Warranty Deed, Transfer
SOUTH OAK TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 10, 2026 · Amount on Record
Deed SaleJul 10, 2026 · Amount on Record
Prior SaleSep 18, 2025 · Amount on Record
Deed Document Number202641610
Deed Book / Page5054 / 1026
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJul 10, 2026
Property Address2021 E 7TH CT, PANAMA CITY, FL 32401-4615
Document Number0000041610
Book / Page5054 / 1026
Instrument DateJul 9, 2026
Instrument202641610
Transaction TypeTransfer
Record UpdatedJul 30, 2026
Title CompanyOMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$183,820.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2021 E 7TH CT, PANAMA CITY, FL 32401-4615

Mortgage

Document Number0000041611,
DateJul 10, 2026
Instrument202641611
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate6.53%
Max Rate-1%

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 18, 2025
Property Address2021 E 7TH CT, PANAMA CITY, FL 32401-4615
Document Number0049540333
Book / Page4954 / 333
Instrument DateSep 17, 2025
Instrument2025053991
Transaction TypeTransfer
Record UpdatedOct 16, 2025
Title CompanyOMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATL TITLE AGENCY LLC

Transaction

AmountAmount Recorded
Tax$59.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address173 TUMBLE RUN, UMBLE, GA 39281

Transferred To (Grantee/Buyer)

NameVerified Name
Address505 DAVID AVE, PANAMA CITY, FL 32404-6017

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 1, 2019
Property Address2021 E 7TH CT, PANAMA CITY, FL 32401-4615
Document Number0041062042
Book / Page004106 / 002042
Instrument DateMar 28, 2019
Instrument33009
Transaction TypeTransfer
Record UpdatedApr 9, 2019
Title CompanySOUTH OAK TITLE LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address173 TUMBLE RUN STOCKBRIDGE GA 302814465, STOCKBRIDGE, GA 30281-4465

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$182.00 (+9.64%)$9,393 (-5.26%)$11,275 (+13.73%) Land $11,275
2024$166.00 (-49.24%)$9,914 (+13.33%) Land $9,914$9,914 (+13.33%) Land $9,914
2023$327.00 (-86.64%)$8,748 (+17.8%) Land $8,748$8,748 (+17.8%) Land $8,748
2022$2,448.00$7,426 Land $7,426$7,426 Land $7,426

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 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims4 (1983–2018)
Claims Outside the SFHA4 of 4
Most Recent ClaimOct 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.

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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