Bay County property record for 2128 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,047 sqft · built 1979 |
| Lot Size | 0.309 acres (13,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,000 (Dec 2020) |
| Tax Bill | $2,892 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16124-000-000 |
| Primary APN | 16124-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,047 sqft Living Area |
| Gross Area | 1,411 sqft |
| 1st Floor Area | 1,047 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 13,460 sqft (0.309 acres) |
| Lot Dimensions | 125 ft deep x 108 ft wide |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Driveway | Driveway |
| Porch | Patio |
|---|---|
| Porch Area | 69 sqft |
| Patio Area | 120 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2128 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | SHERMANS 2ND ADD 105A4 LOTS 5,6 BLK H ORB 4340 P 1514 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | SHERMANS 2ND ADD |
| Legal Block | H |
| Legal Lot Number | 5,6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 1700 |
2128 E 8th St is owned and occupied by an individual who bought it in December 2020.
Source: Bay County records, as of May 6, 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 | Individual Name on File |
|---|---|
| Mailing Address | 2128 E 8TH ST, PANAMA CITY, FL 32401-4626 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2020 | Warranty Deed, Transfer · FHA Mortgage ALTERRA HM LNS |
| Apr 2, 2019 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2020 · Amount on File |
| Deed Sale | Dec 21, 2020 · Amount on File |
| Prior Sale | Apr 2, 2019 · Amount on File |
| Deed Document Number | 202086245 |
| Deed Book / Page | 4340 / 1514 |
| Prior Transfer Date | Sep 30, 2002 |
| Prior Transfer Doc | 0000060432 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 2128 E 8TH ST, PANAMA CITY, FL 32401-4626 |
| Document Number | 0043401515 |
| Book / Page | 004340 / 001515 |
| Instrument Date | Dec 12, 2020 |
| Instrument | 86245 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,281.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2128 E 8TH ST PANAMA CITY FL 324014626, PANAMA CITY, FL 32401-4626 |
| Document Number | 43401516 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 004340/001516 |
| Instrument | 86246 |
| Name | ALTERRA HM LNS |
|---|---|
| Address | LAS VEGAS, NV 89145 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 2, 2019 |
| Property Address | 2128 E 8TH ST, PANAMA CITY, FL 32401-4626 |
| Document Number | 0041070805 |
| Book / Page | 4107 / 0805 |
| Instrument Date | Mar 27, 2019 |
| Instrument | 2019033442 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | OMEGA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,119.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7118 MELISSA ELAINE DR, 7118, PANAMA CITY BEACH, FL 32407-5661 |
| Name | Verified Name |
|---|---|
| Address | 2128 E 8TH ST, PANAMA CITY, FL 32401-4626 |
| Document Number | 2019033443 |
|---|---|
| Date | Apr 2, 2019 |
| Instrument | 2019033443 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
The 2025 property tax bill for 2128 E 8th St was $2,892, down 4.7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $2,892.00 (-4.74%) | $183,121 Land $32,994 Building $150,127 | $183,121 Land $32,994 Building $150,127 |
| 2024 | $3,036.00 (-2.88%) | ||
| 2023 | $3,126.00 (+12.69%) | $169,905 (+8.43%) Land $22,334 Building $147,571 | $169,905 (+8.43%) Land $22,334 Building $147,571 |
| 2022 | $2,774.00 | $156,697 Land $20,811 Building $135,886 | $156,697 Land $20,811 Building $135,886 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2128 E 8th St 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 2128 E 8th St is low, with a 0.03% annual chance of wildfire.
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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