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

Bay County property record for 223 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,364 sqft · built 1926
Lot Size	0.164 acres (7,143 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Jul 2020)
Tax Bill	$2,393 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20293-000-000`

Property Details

APN / Parcel Number

Primary APN	`20293-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	1,284 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,143 sqft (0.164 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Driveway	Driveway
Porch	Florida Room
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	223 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	HARMON PLAT LOT 12 BLK 4 ORB 4275 P 2216
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	4
Legal Lot Number	12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1015
Census Tract	1900

Owner

223 E 2nd St is owned and occupied by an individual who bought it in July 2020.

Source: Bay County records, as of May 7, 2026

Owner of Record	Individual Name on File
Mailing Address	223 E 2ND ST, PANAMA CITY, FL 32401-3228
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FEDERAL CREDIT UNION
Jul 20, 2020	Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on File
Deed Sale	Jul 20, 2020 · Amount on File
Prior Sale	Apr 29, 2002 · Amount on File
Deed Document Number	202046914
Deed Book / Page	4275 / 2216
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Apr 24, 2026
Property Address	223 E 2ND ST, PANAMA CITY, FL 32401-3228
Document Number	0000024486
Book / Page	5027 / 764
Instrument Date	Apr 20, 2026
Instrument	202624486
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 E 2ND ST, PANAMA CITY, FL 32401-3228

Mortgage

Document Number	0000024486,
Date	Apr 24, 2026
Book Page	5027/764
Instrument	202624486

Lender

Name	TYNDALL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.54%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 20, 2020
Property Address	223 E 2ND ST, PANAMA CITY, FL 32401-3228
Document Number	0042752216
Book / Page	4275 / 2216
Map Reference	MB 4 PG 8
Instrument Date	Jul 16, 2020
Instrument	2020046914
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2014 BIG COVE RD SE, 2014, HUNTSVILLE, AL 35801-1300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 S MACARTHUR AVE, PANAMA CITY, FL 32401-3945

Mortgage

Document Number	0042752218
Date	Jul 20, 2020
Instrument	4275/2218

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 223 E 2nd St was $2,393 with a homeowner's exemption, down 2.8% from the year before.

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	$2,393.00 (-2.76%) Homeowner's exemption	$193,594	$228,211 Land $34,402 Building $193,809
2024	$2,461.00 (-5.85%)
2023	$2,614.00 (+4.56%) Homeowner's exemption	$182,658 (+3%)	$191,362 (+7.91%) Land $29,700 Building $161,662
2022	$2,500.00 Homeowner's exemption	$177,338 Land $25,789 Building $151,549	$177,338 Land $25,789 Building $151,549

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

Flood

FEMA maps place 223 E 2nd 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 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

Wildfire risk around 223 E 2nd 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.

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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