Bay County property record for 203 E 2nd Pl, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,968 sqft · built 1910 |
| Lot Size | 0.292 acres (12,720 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Mar 2015) |
| Tax Bill | $1,312 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20255-000-000 |
| Primary APN | 20255-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,968 sqft Heated Area |
| Gross Area | 2,824 sqft |
| 1st Floor Area | 1,242 sqft |
| 2nd Floor Area | 726 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 12,720 sqft (0.292 acres) |
| Lot Dimensions | 130 ft deep x 98 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Porch | Porch |
| Porch Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 203 E 2ND PL |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | HARMON PLAT LOTS 8 & 9 LESS E 2' OF L-9 BLK 1 ORB 3680 P 726 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | HARMON PLAT |
| Legal Block | 1 |
| Legal Lot Number | 8,9 9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 1900 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 203 E 2ND PL, PANAMA CITY, FL 32401-3222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2015 · Amount on Record |
| Deed Sale | Mar 4, 2015 · Amount on Record |
| Prior Sale | Oct 8, 2013 · Amount on Record |
| Deed Document Number | 2015012462 |
| Deed Book / Page | 3680 / 0726 |
| Record Updated | Jun 8, 2026 |
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 | $1,312.00 (-13.85%) Homeowner's exemption | $125,114 (+5.99%) | $221,441 (+22.3%) Land $65,386 Building $156,055 |
| 2023 | $1,523.00 (+11.74%) Homeowner's exemption | $118,047 (+3%) | $181,071 (+11.33%) Land $56,448 Building $124,623 |
| 2022 | $1,363.00 Homeowner's exemption | $114,609 | $162,638 Land $49,015 Building $113,623 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 184 units insured incl. 146 condo units |
| Nearby Flood Claims | 75 (1982–2018) |
| Claims Outside the SFHA | 41 of 75 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| Claims by Event |
|
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 99.8% of the US · lower than 99.7% 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.
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 261 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 | 1,000 / 75 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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