Bay County property record for 2135 E 7th St, Panama City, FL 32401
| Property Type | Vacant Land |
|---|---|
| Details | 3 bd · 1 ba · 728 sqft · built 1932 |
| Lot Size | 2.89 acres (126,062 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Apr 2024) |
| Tax Bill | $1,177 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Apr 2021 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 15926-000-000 |
| Primary APN | 15926-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 728 sqft Living Area |
| Gross Area | 896 sqft |
| 1st Floor Area | 728 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 126,062 sqft (2.89 acres) |
| Lot Dimensions | 250 ft deep x 175 ft wide |
| Driveway | Driveway |
| Porch | Porch |
| Porch Area | 168 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2135 E 7TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4608 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | PC04 |
| Legal Description | 3 4S 14W -114- 105A4 BEG 630 E OF SW COR OF SE1/4 FOR POB TH CONT E 178.30 N 233.55 W 156.17 N 126.99 E 155.70 N 21 W 390.45 N 8.19 W 208.06 S 187 E 420.99 S 210 TO POB ORB 4802 P 1360 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 1700 |
2135 E 7th St, vacant land, is owned by an individual who bought it in April 2024.
Source: Bay County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1200 DUVAL ST, KEY WEST, FL 33040-3167 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 5, 2024 | Warranty Deed, Transfer · Seller Carry-Back TOBY SHARPE |
| Apr 27, 2021 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 5, 2024 · Amount on File |
| Deed Sale | Apr 5, 2024 · Amount on File |
| Prior Sale | Apr 27, 2021 · Amount on File |
| Deed Document Number | 202419753 |
| Deed Book / Page | 4789 / 2057 |
| Prior Transfer Date | Apr 3, 2024 |
| Prior Transfer Doc | 0048021360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 5, 2024 |
| Property Address | 2135 E 7TH ST, PANAMA CITY, FL 32401-4608 |
| Document Number | 0047892057 |
| Book / Page | 4789 / 2057 |
| Instrument Date | Apr 3, 2024 |
| Instrument | 2024019753 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 9003, PANAMA CITY BEACH, FL 32417-9003 |
| Name | Verified Name |
|---|---|
| Address | 1200 DUVAL ST, KEY WEST, FL 33040-3167 |
| Document Number | 0047892059 |
|---|---|
| Date | Apr 5, 2024 |
| Instrument | 4789/2059 |
| Name | TOBY SHARPE |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 27, 2021 |
| Property Address | 2135 E 7TH ST, PANAMA CITY, FL 32401-4608 |
| Document Number | 0043971260 |
| Book / Page | 4397 / 1260 |
| Instrument Date | Apr 15, 2021 |
| Instrument | 2021031361 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $210.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1541 GREGG MILL RD, 1541, GREENEVILLE, TN 37743-1633 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 9003, PANAMA CITY BEACH, FL 32417-9003 |
The 2025 property tax bill for 2135 E 7th St was $1,177, up 33.8% 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 | $1,177.00 (+33.75%) | $74,549 Land $74,549 | $74,549 Land $74,549 |
| 2024 | $880.00 (-8.24%) | ||
| 2023 | $959.00 (+9.85%) | $47,751 (+7.32%) Land $47,751 | $47,751 (+7.32%) Land $47,751 |
| 2022 | $873.00 | $44,495 Land $44,495 | $44,495 Land $44,495 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2135 E 7th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 2135 E 7th St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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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