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2105 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 2105 E 2nd Ct, Panama City, FL 32401

Property Summary

Property TypeResidential Vacant Land
Details3 bd · 2 ba · 1,392 sqft · built 1922
Lot Size0.178 acres (7,797 sqft)
OwnerIndividual Name on File
Last Sale$19,000 (Jun 2022)
Tax Bill$298 (2025)
Deeds & MortgagesJun 2022 Sale
Apr 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN22882-000-000

Property Details

APN / Parcel Number

Primary APN22882-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,392 sqft
1st Floor Area1,392 sqft

Exterior

Year BuiltBuilt 1922
Exterior MaterialProtective Coating
Lot Area7,797 sqft (0.178 acres)
Lot Dimensions150 ft deep x 52 ft wide
PorchPorch
Porch Area30 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2105 E 2ND CT
CityPANAMA CITY
StateFL
Zip32401-4803
Property CategoryResidential
Property TypeVacant Land > Residential
Legal DescriptionHOLMES ADD E 52' LOT 5 & E 52' OF S1/2 LOT 6 & 1/2 CLOSED ALLY ADJ.
Legal Range14W
Legal Township04S
Legal Section10
Legal SubdivisionHOLMES ADD
Legal Block8
Legal Lot Number1,5,6
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1057
Census Tract1800

Owner

2105 E 2nd Ct, residential vacant land, is owned by an individual who bought it in June 2022.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address202 MAINE AVE, PANAMA CITY, FL 32401-4863
Owner TypeIndividual

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

DateDocument
Jun 23, 2022Warranty Deed, Transfer
CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC
Apr 1, 2019Deed of Trust, Mortgage · Conventional Mortgage
US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 23, 2022 · Amount on File
Deed SaleJun 23, 2022 · Amount on File
Deed Document Number2022047064
Deed Book / Page4579 / 2116
Record UpdatedJun 8, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 23, 2022
Property Address2105 E 2ND CT, PANAMA CITY, FL 32401-4803
Document Number0045792116
Book / Page4579 / 2116
Instrument DateJun 22, 2022
Instrument2022047064
Transaction TypeTransfer
Record UpdatedFeb 7, 2023
Title CompanyCORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

AmountAmount on Record
Tax$133.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3127 TWO CREEK BLVD, VERNON, FL 32462-3143

Transferred To (Grantee/Buyer)

NameVerified Name
Address202 MAINE AVE, PANAMA CITY, FL 32401-4863

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address2105 E 2ND CT, PANAMA CITY, FL 32401-4803
Document Number0041110266
Instrument DateApr 1, 2019
Transaction TypeMortgage
Record UpdatedMay 1, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3127 TWO CREEK BLVD VERNON FL 32462, VERNON, FL 32462

Mortgage

Document Number0041110266
DateApr 11, 2019
Book Page004111/000266
Instrument36748
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35203
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2105 E 2nd Ct was $298, up 4.2% from the year before.

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

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$298.00 (+4.2%)$20,020 (+20.31%) Land $20,020$20,020 (+20.31%) Land $20,020
2024$286.00 (-36.02%)$16,640 (+6.67%) Land $16,640$16,640 (+6.67%) Land $16,640
2023$447.00 (+17.02%)$15,600 (+33.33%) Land $15,600$15,600 (+33.33%) Land $15,600
2022$382.00$11,700 Land $11,700$11,700 Land $11,700

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

Flood

FEMA maps place 2105 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 19 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies47 units insured
incl. 28 condo units
Nearby Flood Claims19 (1979–2021)
Claims Outside the SFHA13 of 19
Most Recent ClaimOct 2021 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 6 claims
  • Hurricane Opal, Oct 1995 · 3 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 2105 E 2nd Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 185 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
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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