2140 E 8th Ct, Panama City, FL 32401 Property Records

Bay County property record for 2140 E 8th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,700 sqft · built 2020
Lot Size	0.137 acres (5,968 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,563 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16104-000-000`

Property Details

APN / Parcel Number

Primary APN	`16104-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,700 sqft Heated Area
Gross Area	1,884 sqft
1st Floor Area	552 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,968 sqft (0.137 acres)
Lot Dimensions	111 ft deep x 54 ft wide
Porch	Porch
Porch Area	108 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2140 E 8TH CT
City	PANAMA CITY
State	FL
Zip	32401-4632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	SHERMAN'S 2ND ADD. 105A4 LOT 4 BLK E ORB 2388 P 1160 ORB 2388
Legal Range	14W
Legal Township	04S
Legal Section	03
Legal Subdivision	SHERMANS
Legal Block	E
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1020
Census Tract	1700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2140 E 8TH CT, PANAMA CITY, FL 32401-4632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2004
Deed Sale	Jan 21, 2004
Deed Document Number	2004-004524
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2140 E 8TH CT, PANAMA CITY, FL 32401-4632
Document Number	0041831714
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2140 E 8TH CT PANAMA CITY BEACH FL 324014632, PANAMA CITY BEACH, FL 32401-4632

Mortgage

Document Number	0041831714
Date	Oct 25, 2019
Book Page	004183/001714
Instrument	93444

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Tax Assessment & Valuation

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

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	$2,563.00 (-8.69%) Homeowner's exemption	$204,315 (+6.62%)	$225,512 (+7.82%) Land $15,620 Building $209,892
2023	$2,807.00 (+4.9%) Homeowner's exemption	$191,628 (+3%)	$209,156 (+8.93%) Land $10,573 Building $198,583
2022	$2,676.00 Homeowner's exemption	$186,047	$192,006 Land $9,852 Building $182,154

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 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	Hurricane Helene, Sep 2024 · 2 claims Hurricane Michael, Oct 2018 · 4 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 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.

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 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