226 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 226 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 968 sqft · built 1940
Lot Size	0.164 acres (7,144 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Sep 2018)
Tax Bill	$382 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20284-000-000`

Property Details

APN / Parcel Number

Primary APN	`20284-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	968 sqft Heated Area
Gross Area	1,103 sqft
1st Floor Area	968 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,144 sqft (0.164 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	226 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	HARMON PLAT LOT 2 BLK 4 ORB 4047 P 168
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	4
Legal Lot Number	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1015
Census Tract	1900

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	226 E 2ND PL, PANAMA CITY, FL 32401-3223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Sep 12, 2018	Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2018 · Amount on Record
Deed Sale	Sep 12, 2018 · Amount on Record
Prior Sale	Dec 17, 2009 · Amount on Record
Deed Document Number	2018054940
Deed Book / Page	4047 / 0168
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	226 E 2ND PL, PANAMA CITY, FL 32401-3223
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 E 2ND PL, PANAMA CITY, FL 32401-3223

Mortgage

Document Number	0043710970
Date	Mar 4, 2021
Book Page	4371/970
Instrument	2021015545

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 12, 2018
Property Address	226 E 2ND PL, PANAMA CITY, FL 32401-3223
Document Number	0040470168
Book / Page	4047 / 0168
Instrument Date	Aug 30, 2018
Instrument	2018054940
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4500 CRESTBROOK DR, 4500, PANAMA CITY, FL 32404-5208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 E 2ND PL, PANAMA CITY, FL 32401-3223

Mortgage

Document Number	2018054941
Date	Sep 12, 2018
Instrument	2018054941

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$382.00 (-64.37%) Homeowner's exemption Additional exemption filed	$96,759 (+5.99%)	$159,856 (+18.59%) Land $34,402 Building $125,454
2023	$1,072.00 (-1.11%) Homeowner's exemption	$91,293 (+3%)	$134,792 (+8.27%) Land $29,700 Building $105,092
2022	$1,084.00 Homeowner's exemption	$88,634	$124,501 Land $25,789 Building $98,712

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

Flood

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 Record 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

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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