Bay County property record for 2203 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,010 sqft · built 1945 |
| Lot Size | 0.126 acres (5,532 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $32 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16100-000-000 |
| Primary APN | 16100-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,010 sqft Heated Area |
| Gross Area | 1,060 sqft |
| 1st Floor Area | 1,010 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,532 sqft (0.126 acres) |
| Lot Dimensions | 111 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 50 sqft |
| Fence | Fence |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2203 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | SHERMAN'S 2ND ADD. 105A4 LOT 16 BLK D ORB 4074 P 1574 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | SHERMANS |
| Legal Block | D |
| Legal Lot Number | 16 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 1700 |
2203 E 8th St is owned and occupied by an individual who acquired it in January 2019.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2203 E 8TH ST, PANAMA CITY, FL 32401-4627 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 2, 2019 |
| Deed Sale | Jan 2, 2019 |
| Prior Sale | Nov 14, 2013 · Amount on File |
| Deed Document Number | 0040741574 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2203 E 8th St was $32 with a homeowner's exemption, down 78.7% from the year before.
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 | $32.00 (-78.67%) Homeowner's exemption | $27,072 (+2.9%) | $38,488 (+12.2%) Land $14,462 Building $24,026 |
| 2024 | $150.00 (+3.45%) Homeowner's exemption | $26,309 (+3%) | $34,303 (+6.49%) Land $11,881 Building $22,422 |
| 2023 | $145.00 (-38.03%) Homeowner's exemption | $25,543 (+3%) | $32,212 (+22.34%) Land $9,790 Building $22,422 |
| 2022 | $234.00 Homeowner's exemption | $24,799 | $26,330 Land $9,122 Building $17,208 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2203 E 8th St in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1999.
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 |
|---|---|
| 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 2203 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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