Bay County property record for 2109 E 8th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,080 sqft · built 2020 |
| Lot Size | 0.142 acres (6,229 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $1,031 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16084-000-000 |
| Primary APN | 16084-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,080 sqft Heated Area |
| Gross Area | 1,284 sqft |
| 1st Floor Area | 744 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,229 sqft (0.142 acres) |
| Lot Dimensions | 116 ft deep x 54 ft wide |
| Porch | Porch |
| Porch Area | 276 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2109 E 8TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | SHERMANS 2ND ADD 105A4 LOT 5 BLK B ORB 1651 P 70 ORB 2414 P 709 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | SHERMANS 2ND ADD |
| Legal Block | B |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 1700 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 2109 E 8TH CT, PANAMA CITY, FL 32401-4631 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 23, 2004 |
| Transfer Doc | 0024140709 |
| 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 | $1,031.00 (-15.28%) Homeowner's exemption | $107,368 (+5.99%) | $115,115 (+6.35%) Land $15,970 Building $99,145 |
| 2023 | $1,217.00 (+0.33%) Homeowner's exemption | $101,303 (+3%) | $108,241 (+8.57%) Land $10,810 Building $97,431 |
| 2022 | $1,213.00 Homeowner's exemption | $98,352 | $99,694 Land $10,073 Building $89,621 |
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 A, within 500 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 |
|
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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 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 |
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