2103 E 8th St, Panama City, FL 32401 Property Records

Bay County property record for 2103 E 8th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,256 sqft · built 2022
Lot Size	0.137 acres (5,968 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Aug 2022)
Tax Bill	$3,527 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16111-010-000`

Property Details

APN / Parcel Number

Primary APN	`16111-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,256 sqft Heated Area
Gross Area	1,276 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	5,968 sqft (0.137 acres)
Lot Dimensions	111 ft deep x 54 ft wide
Driveway	Driveway
Driveway Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2103 E 8TH ST
City	PANAMA CITY
State	FL
Zip	32401-4625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	SHERMAN'S 2ND ADD. 105A4 LOT 15 BLK E ORB 4595 P 575
Legal Range	14W
Legal Township	04S
Legal Section	03
Legal Block	E
Legal Lot Number	15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1020
Census Tract	1700

Owner

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	2103 E 8TH ST, PANAMA CITY, FL 32401-4625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Deed Document Number	2022057766
Deed Book / Page	4595 / 575
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 4, 2022
Property Address	2103 E 8TH ST, PANAMA CITY, FL 32401-4625
Document Number	0045950575
Book / Page	4595 / 575
Map Reference	MB 3 PG 11
Instrument Date	Aug 1, 2022
Instrument	2022057766
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 E 8TH ST, PANAMA CITY, FL 32401-4625

Mortgage

Document Number	0004595577
Date	Aug 4, 2022
Instrument	4595/577

Lender

Name	PANHANDLE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$3,527.00 (-2.25%)	$223,317 (+6.43%) Land $15,620 Building $207,697	$223,317 (+6.43%) Land $15,620 Building $207,697
2024	$3,608.00 (+2.88%)	$209,825 (+1.09%) Land $12,832 Building $196,993	$209,825 (+1.09%) Land $12,832 Building $196,993
2023	$3,507.00 (+890.68%)	$207,566 (+2,006.84%) Land $10,573 Building $196,993	$207,566 (+2,006.84%) Land $10,573 Building $196,993
2022	$354.00	$9,852 Land $9,852	$9,852 Land $9,852

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	16 (1999–2024)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Michael, Oct 2018 · 4 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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 266 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