Bay County property record for 225 E 2nd St, Panama City, FL 32401
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,146 sqft · built 1940 |
| Lot Size | 0.162 acres (7,056 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $18,000 (Jul 2017) |
| Tax Bill | $1,785 (2025) |
| Deeds & Mortgages | Jul 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20295-000-000 |
| Primary APN | 20295-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,146 sqft Living Area |
| 1st Floor Area | 1,146 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Duplex Single |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,056 sqft (0.162 acres) |
| Lot Dimensions | 100 ft deep x 71 ft wide |
| Garage Area | 242 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 225 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3228 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PC04 |
| Legal Description | HARMON PLAT S1/2 OF LOTS 13,14 BLK 4 ORB 3915 P 1666 MAP 105C3 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | HARMON PLAT |
| Legal Block | 4 |
| Legal Lot Number | 13,14 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 1900 |
225 E 2nd St, a duplex, is owned by two individuals who bought it in July 2017.
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 214 E 2ND ST, PANAMA CITY, FL 32401-3229 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2017 · Amount on File |
| Deed Sale | Jul 5, 2017 · Amount on File |
| Deed Document Number | 201737969 |
| Deed Book / Page | 3915 / 1666 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 5, 2017 |
| Property Address | 225 E 2ND ST, PANAMA CITY, FL 32401-3228 |
| Document Number | 0039151667 |
| Book / Page | 003915 / 001667 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 37969 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $126.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 214 E 2ND ST PANAMA CITY BEACH FL 324013229, PANAMA CITY BEACH, FL 32401-3229 |
The 2025 property tax bill for 225 E 2nd St was $1,785, down 20.6% 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 | $1,785.00 (-20.56%) | $83,356 | $171,297 Land $41,943 Building $129,354 |
| 2024 | $2,247.00 (+31.79%) | ||
| 2023 | $1,705.00 (+67.16%) | $137,326 (+163.27%) Land $36,210 Building $101,116 | $137,326 (+163.27%) Land $36,210 Building $101,116 |
| 2022 | $1,020.00 | $52,161 Land $31,442 Building $20,719 | $52,161 Land $31,442 Building $20,719 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 225 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 |
|
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 225 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.
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 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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