Bay County property record for 2307 E 10th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,276 sqft · built 1947 |
| Lot Size | 0.178 acres (7,797 sqft) |
| Owner | Owner Name on File |
| Last Sale | $50,000 (Jul 2005) |
| Tax Bill | $285 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15867-000-000 |
| Primary APN | 15867-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,276 sqft Heated Area |
| Gross Area | 1,416 sqft |
| 1st Floor Area | 1,276 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1947 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,797 sqft (0.178 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Driveway | Driveway |
| Driveway Area | 240 sqft |
| Porch | Porch |
| Porch Area | 140 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2307 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | 3 4S 14W-55-105A4 BEG 100' E OF SW COR OF NW1/4 OF NE1/4 OF SE1/4 FOR POB TH |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 1700 |
The current owner of 2307 E 10th St bought it in July 2005.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2307 E 10TH ST, PANAMA CITY, FL 32401-4502 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Aug 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2005 · Amount on File |
| Deed Sale | Jul 27, 2005 · Amount on File |
| Deed Document Number | 2005-058640 |
| Deed Book / Page | 2645 / 0784 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2307 E 10TH ST, PANAMA CITY, FL 32401-4502 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2307 E 10TH ST, PANAMA CITY, FL 32401-4502 |
| Document Number | 0047231657 |
|---|---|
| Date | Aug 24, 2023 |
| Book Page | 4723/1657 |
| Instrument | 2023053802 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2307 E 10TH ST, PANAMA CITY, FL 32401-4502 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042181434 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | 4218/1434 |
| Instrument | 2020008934 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 28, 2050 |
The 2025 property tax bill for 2307 E 10th St was $285 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $285.00 Homeowner's exemption | $43,078 | $68,245 Land $19,646 Building $48,599 |
| 2023 | $435.00 (-11.59%) Homeowner's exemption | $40,645 (+3%) | $59,715 (+9.12%) Land $13,299 Building $46,416 |
| 2022 | $492.00 Homeowner's exemption | $39,461 | $54,725 Land $12,392 Building $42,333 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2307 E 10th St 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 2307 E 10th 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 98% of the US · lower than 97.6% 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures