209 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 209 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,250 sqft · built 2008
Lot Size	0.164 acres (7,143 sqft)
Owner	Company Name on Record
Last Sale	$295,000 (Nov 2008)
Tax Bill	$3,786 (2025)
Deeds & Mortgages	Apr 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20291-000-000`

Property Details

APN / Parcel Number

Primary APN	`20291-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,250 sqft Living Area
1st Floor Area	1,125 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,143 sqft (0.164 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	600 sqft
Driveway	Driveway
Driveway Area	1,599 sqft

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	450 sqft
Patio Area	658 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	209 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	HARMON PLAT LOT 10 BLK 4 ORB 4001 P 1003 MAP 105C3
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	4
Legal Lot Number	10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1015
Census Tract	1900

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	209 E 2ND ST, PANAMA CITY, FL 32401-3228
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2008 · Amount on Record
Deed Sale	Nov 12, 2008 · Amount on Record
Prior Sale	Jul 19, 2004 · Amount on Record
Deed Document Number	200872716
Deed Book / Page	3105 / 1643
Last Transfer Date	Mar 23, 2018
Transfer Doc	0040011003
Record Updated	Jun 8, 2026

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Apr 24, 2018
Property Address	209 E 2ND ST, PANAMA CITY, FL 32401-3228
Document Number	0040011003
Book / Page	004001 / 001003
Instrument Date	Mar 23, 2018
Instrument	24157
Transaction Type	Transfer
Record Updated	May 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	209 E 2ND ST PANAMA CITY FL 324013228, PANAMA CITY, FL 32401-3228

Tax Assessment & Valuation

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	$3,786.00 (-0.68%) Homeowner's exemption	$281,764 (+5.99%)	$365,527 (+20.22%) Land $34,402 Building $331,125
2024	$3,812.00 (-7.25%)
2023	$4,110.00 (+5.87%) Homeowner's exemption	$265,848 (+3%)	$304,055 (+7.65%) Land $29,700 Building $274,355
2022	$3,882.00 Homeowner's exemption	$258,105	$282,438 Land $25,789 Building $256,649

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	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

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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