206 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 206 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1934
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on File
Last Sale	$296,000 (May 2026)
Tax Bill	$3,729 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20253-000-000`

Property Details

APN / Parcel Number

Primary APN	`20253-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 2004
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	166 sqft
Patio Area	560 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	206 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	HARMON PLAT LOT LOT 5 BLK 1 ORB 4707 P 823
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	1
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1007
Census Tract	1900

Owner

206 E 2nd Ct is owned by an individual who bought it in May 2026.

Source: Bay County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	100 HAMILTON AVE, PANAMA CITY, FL 32401-3816
Owner Type	Individual
Vesting	Married Woman, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jul 7, 2023	Intrafamily Transfer, Transfer
Jul 7, 2023	Warranty Deed, Transfer · VA Mortgage TRUSTMARK NATIONAL BANK
Jun 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on File
Deed Sale	May 19, 2026 · Amount on File
Prior Sale	Jul 7, 2023 · Amount on File
Deed Document Number	202630047
Deed Book / Page	5035 / 2360
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 19, 2026
Property Address	206 E 2ND CT, PANAMA CITY, FL 32401-3215
Document Number	0000030047
Book / Page	5035 / 2360
Instrument Date	May 12, 2026
Instrument	202630047
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209,272.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 HAMILTON AVE, PANAMA CITY, FL 32401-3816

Mortgage

Document Number	0000030048,
Date	May 19, 2026
Instrument	202630048

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 19, 2026
Property Address	206 E 2ND CT, PANAMA CITY, FL 32401-3215
Document Number	0050352360
Book / Page	5035 / 2360
Instrument Date	May 12, 2026
Instrument	202630047
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209,272.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 HAMILTON AVE, PANAMA CITY, FL 32401-3816

Mortgage

Document Number	0000030048,
Date	May 19, 2026
Instrument	202630048

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Jul 7, 2023
Property Address	206 E 2ND CT, PANAMA CITY, FL 32401-3215
Document Number	0047070823
Book / Page	4707 / 823
Map Reference	MB 4 PG 8&8A
Instrument Date	Jul 7, 2023
Instrument	2023042316
Transaction Type	Transfer
Record Updated	Jul 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	206 E 2ND CT, PANAMA CITY, FL 32401-3215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1601 BAYVIEW DR, FORT LAUDERDALE, FL 33305-3621

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 7, 2023
Property Address	206 E 2ND CT, PANAMA CITY, FL 32401-3215
Document Number	0047070803
Book / Page	4707 / 803
Map Reference	MB 4 PG 8&8A
Instrument Date	Jun 29, 2023
Instrument	2023042314
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3001 W 10TH ST, PANAMA CITY, FL 32401-1487

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E 2ND CT, PANAMA CITY, FL 32401-3215

Mortgage

Document Number	0004707805
Date	Jul 7, 2023
Instrument	4707/805

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 2, 2017
Property Address	206 E 2ND CT, PANAMA CITY, FL 32401-3215
Document Number	0039060872
Book / Page	003906 / 000872
Instrument Date	Jun 2, 2017
Instrument	31440
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 E 2ND PL PANAMA CITY BEACH FL 324013221, PANAMA CITY BEACH, FL 32401-3221

Tax Assessment & Valuation

The 2025 property tax bill for 206 E 2nd Ct was $3,729.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,729.00	$198,178 Land $33,360 Building $164,818	$198,178 Land $33,360 Building $164,818
2023	$1,669.00 (+13.54%)	$90,307 (+11.85%) Land $28,800 Building $61,507	$90,307 (+11.85%) Land $28,800 Building $61,507
2022	$1,470.00	$80,741 Land $25,008 Building $55,733	$80,741 Land $25,008 Building $55,733

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

Flood

FEMA maps place 206 E 2nd Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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	Hurricane Michael, Oct 2018 · 33 claims Hurricane Opal, Oct 1995 · 37 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

Wildfire risk around 206 E 2nd Ct is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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