Bay County property record for 2206 E 9th St, #A, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,160 sqft · built 2020 |
| Lot Size | 0.133 acres (5,793 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Apr 2021) |
| Tax Bill | $2,181 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16089-000-000 |
| Primary APN | 16089-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 1,160 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,793 sqft (0.133 acres) |
| Lot Dimensions | 116 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 1,000 sqft |
| Driveway | Driveway |
| Driveway Area | 450 sqft |
| Porch | Open Porch |
| Porch Area | 136 sqft |
| Patio Area | 45 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2206 E 9TH ST, A |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | SHERMANS 2ND ADD. LOT 5 BLK C ORB 4385 P 1496 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | SHERMANS 2ND ADD |
| Legal Block | C |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1700 |
2206 E 9th St, #A is owned by an individual who bought it in April 2021.
Source: Bay County records, as of January 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2204B E 9TH ST, PANAMA CITY, FL 32401-4506 |
| 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 |
|---|---|
| Feb 2, 2021 | Deed of Trust, Mortgage CITY OF PANAMA CITY |
| Apr 1, 2021 | Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on File |
| Deed Sale | Apr 1, 2021 · Amount on File |
| Prior Sale | Mar 23, 2011 · Amount on File |
| Deed Document Number | 202124319 |
| Deed Book / Page | 4385 / 1496 |
| Prior Transfer Date | Aug 29, 2013 |
| Prior Transfer Doc | 0035561058 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2206 E 9TH ST # A, A, PANAMA CITY, FL 32401-4506 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | CORNERSTONE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0043580989 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 4358/989 |
| Instrument | 2021007662 |
| Name | CITY OF PANAMA CITY |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 1, 2021 |
| Property Address | 2206 E 9TH ST # A, A, PANAMA CITY, FL 32401-4506 |
| Document Number | 0043851496 |
| Book / Page | 4385 / 1496 |
| Map Reference | MB 3 PG 11 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 2021024319 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2175 FRANKFORD AVE # AVEF204, 2175, PANAMA CITY, FL 32405-2358 |
| Name | Verified Name |
|---|---|
| Address | 1005 S KIMBREL AVE, PANAMA CITY, FL 32404-9006 |
| Document Number | 0043851498 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 4385/1498 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Number | 0043851513 |
|---|---|
| Date | Apr 1, 2021 |
| Book Page | 4385/1513 |
| Instrument | 2021024321 |
| Name | CITY OF PANAMA CITY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 2206 E 9th St, #A was $2,181, down 9.3% 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 | $2,181.00 (-9.31%) | $138,151 Land $14,788 Building $123,363 | $138,151 Land $14,788 Building $123,363 |
| 2024 | $2,405.00 (-1.6%) | ||
| 2023 | $2,444.00 (+13.36%) | $129,824 (+9.55%) Land $10,010 Building $119,814 | $129,824 (+9.55%) Land $10,010 Building $119,814 |
| 2022 | $2,156.00 | $118,511 Land $9,327 Building $109,184 | $118,511 Land $9,327 Building $109,184 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2206 E 9th St, #A 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 2206 E 9th St, #A 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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