Bay County property record for 2220 E 17th St, Panama City, FL 32405
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,160 sqft · built 1971 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,400 (Dec 2024) |
| Tax Bill | $2,498 (2025) |
| Deeds & Mortgages | Dec 2024 Sale & Mortgage Oct 2022 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14740-020-000 |
| Primary APN | 14740-020-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,160 sqft Total Area |
| 1st Floor Area | 1,000 sqft |
| Interior Walls | Plywood |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Driveway | Driveway |
| Driveway Area | 1,200 sqft |
| Porch | Porch |
| Porch Area | 160 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2220 E 17TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6049 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 34 3S 14W -118.2- 104D ST AND BAY DEV CO PLAT BEG 190' S & 288' E OF NW COR |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 34 |
| Legal Subdivision | ST AND BAY DEV CO |
| Legal Lot Number | 101 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 1200 |
2220 E 17th St, a duplex, is owned by an individual who bought it in December 2024.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 BASIN BAYOU DR, PANAMA CITY BEACH, FL 32407-2572 |
| 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 |
|---|---|
| Dec 26, 2024 | Warranty Deed, Transfer · Conventional Mortgage FIRST COLONY MORTGAGE CORP |
| Oct 25, 2022 | Warranty Deed, Transfer · Line of Credit THE FIRST A NATIONAL BANKING ASSN |
| Feb 4, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Nov 6, 2019 | Deed in Lieu of Foreclosure, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2024 · Amount on File |
| Deed Sale | Dec 26, 2024 · Amount on File |
| Prior Sale | Oct 25, 2022 · Amount on File |
| Deed Document Number | 2024074352 |
| Deed Book / Page | 4870 / 2023 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 26, 2024 |
| Property Address | 2220 E 17TH ST, PANAMA CITY, FL 32405-6049 |
| Document Number | 0048702023 |
| Book / Page | 4870 / 2023 |
| Instrument Date | Dec 20, 2024 |
| Instrument | 2024074352 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW 30A LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,675.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 319 OSPREY PT, NORTH AUGUSTA, SC 29841-6089 |
| Name | Verified Name |
|---|---|
| Address | 321 BASIN BAYOU DR, PANAMA CITY BEACH, FL 32407-2572 |
| Document Number | 0048702025 |
|---|---|
| Date | Dec 26, 2024 |
| Instrument | 4870/2025 |
| Name | FIRST COLONY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 25, 2022 |
| Property Address | 2220 E 17TH ST, PANAMA CITY, FL 32405-6049 |
| Document Number | 0046240176 |
| Book / Page | 4624 / 176 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 2022077864 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | AMOUR SETTLEMENT SERVICES LLC, VOXTUR SETTLEMENT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2715 WAMER RD, LEWISBURG, TN 37091 |
| Name | Verified Name |
|---|---|
| Address | 319 OSPREY PT, NORTH AUGUSTA, SC 29841-6089 |
| Document Number | 0046240179 |
|---|---|
| Date | Oct 25, 2022 |
| Instrument | 4624/0179 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 19, 2027 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 4, 2020 |
| Property Address | PANAMA CITY, FL 32405 |
| Document Number | 0042180761 |
| Book / Page | 004218 / 000761 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 8754 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $560.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2715 WARNER RD LEWISBURG TN 370916358, LEWISBURG, TN 37091-6358 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 6, 2019 |
| Property Address | PANAMA CITY, FL 32405 |
| Document Number | 0041880952 |
| Book / Page | 004188 / 000952 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 96799 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 225 S MAIN ST MOULTRIE GA 317684576, MOULTRIE, GA 31768-4576 |
The 2025 property tax bill for 2220 E 17th St was $2,498.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,498.00 | $201,930 Land $19,600 Building $182,330 | $201,930 Land $19,600 Building $182,330 |
| 2023 | $1,826.00 (+67.68%) | $139,452 (+59.43%) Land $14,406 Building $125,046 | $139,452 (+59.43%) Land $14,406 Building $125,046 |
| 2022 | $1,089.00 | $87,469 Land $10,486 Building $76,983 | $87,469 Land $10,486 Building $76,983 |
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 2220 E 17th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 25 (1982–2018) |
| Claims Outside the SFHA | 20 of 25 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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 2220 E 17th St is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 251 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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