214 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 214 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,807 sqft · built 1983
Lot Size	0.377 acres (16,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Jul 2017)
Tax Bill	$2,179 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20298-010-000`

Property Details

APN / Parcel Number

Primary APN	`20298-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,807 sqft Living Area
Gross Area	2,269 sqft
1st Floor Area	1,807 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	16,422 sqft (0.377 acres)
Lot Dimensions	143 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Porch	Open Porch
Deck Area	Deck Area
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	214 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-3229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	HARMON PLAT LOTS 3,4 & S 43OF 5 BLK 5 ORB 3915 P 1664 ORB 4611 P 1302 MAP 105C3
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	5
Legal Lot Number	3,4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1900

Owner

Source: Bay County records, as of January 5, 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	2 Individual Names on Record
Mailing Address	214 E 2ND ST, PANAMA CITY, FL 32401-3229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Warranty Deed, Transfer · Conventional Mortgage FORWARD HOME LENDING LLC
Dec 23, 2019	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NAT'L BK
Jul 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2017 · Amount on Record
Deed Sale	Jul 5, 2017 · Amount on Record
Prior Sale	May 30, 2003 · Amount on Record
Deed Document Number	201737968
Deed Book / Page	3915 / 1664
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 19, 2022
Property Address	214 E 2ND ST, PANAMA CITY, FL 32401-3229
Document Number	0046111302
Book / Page	4611 / 1302
Map Reference	MB 4 PG 8
Instrument Date	Sep 12, 2022
Instrument	2022069192
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 E 2ND ST, PANAMA CITY, FL 32401-3229

Mortgage

Document Number	0046111306
Date	Sep 19, 2022
Instrument	4611/1306

Lender

Name	FORWARD HOME LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	214 E 2ND ST, PANAMA CITY, FL 32401-3229
Document Number	0042131053
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	214 E 2ND ST PANAMA CITY BEACH FL 324013229, PANAMA CITY BEACH, FL 32401-3229

Mortgage

Document Number	0042131053
Date	Jan 21, 2020
Book Page	004213/001053
Instrument	4992

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY BEACH, FL 32408

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 20, 2030

Interest

Rate Type	Adjustable Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 5, 2017
Property Address	214 E 2ND ST, PANAMA CITY, FL 32401-3229
Document Number	0039151664
Book / Page	003915 / 001664
Instrument Date	Jul 5, 2017
Instrument	37968
Transaction Type	Transfer
Record Updated	Aug 8, 2017

Transaction

Amount	Amount Recorded
Tax	$350.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	214 E 2ND ST PANAMA CITY BEACH FL 324013229, PANAMA CITY BEACH, FL 32401-3229

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$2,179.00 (-3.24%) Homeowner's exemption	$180,014 (+16.08%)	$271,810 (+41.69%) Land $87,917 Building $183,893
2024	$2,252.00 (+7.19%)
2023	$2,101.00 (+3.86%) Homeowner's exemption	$155,079 (+3%)	$191,833 (+11.46%) Land $75,900 Building $115,933
2022	$2,023.00 Homeowner's exemption	$150,562	$172,107 Land $65,906 Building $106,201

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

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	184 units insured incl. 146 condo units
Nearby Flood Claims	75 (1982–2018)
Claims Outside the SFHA	41 of 75
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 33 claims Hurricane Opal, Oct 1995 · 37 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 261 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	1,000 / 75
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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