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232 E 2nd St, #B, Panama City, FL 32401 Property Records

Bay County property record for 232 E 2nd St, #B, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,102 sqft · built 1989
Lot Size0.081 acres (3,528 sqft)
OwnerIndividual Name on Record
Last Sale$115,000 (Apr 2016)
Tax Bill$525 (2025)
Deeds & MortgagesApr 2023 Transfer
Flood ZoneZone X (minimal risk)
APN20296-000-000

Property Details

APN / Parcel Number

Primary APN20296-000-000

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,102 sqft Living Area
1st Floor Area1,102 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2019
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialOther
Lot Area3,528 sqft (0.081 acres)
Lot Dimensions71 ft deep x 50 ft wide
Garage TypeCarport
Garage Area440 sqft
CarportCarport
Carport Area440 sqft
DrivewayDriveway
Driveway Area384 sqft
PorchOpen Porch
Porch Area68 sqft
Deck Area112 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address232 E 2ND ST, B
CityPANAMA CITY
StateFL
Zip32401-3229
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal DescriptionHARMON PLAT LOT 1 LESS N 1/2 M/L BLK 5 ORB 4677 P 2075 MAP 105C3
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionHARMON PLAT
Legal Block5
Legal Lot Number1
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1016
Census Tract1900

Owner

Source: Bay County records, as of March 6, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address232 E 2ND ST, PANAMA CITY, FL 32401-3229
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 29, 2016 · Amount on Record
Deed SaleApr 29, 2016 · Amount on Record
Deed Document Number201622135
Deed Book / Page3791 / 679
Last Transfer DateApr 12, 2023
Transfer Doc0046772075
Record UpdatedJun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateApr 12, 2023
Property Address232 E 2ND ST # B, B, PANAMA CITY, FL 32401-3229
Document Number0046772075
Book / Page4677 / 2075
Instrument DateApr 12, 2023
Instrument2023022327
Transaction TypeTransfer
Record UpdatedMay 8, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address232 E 2ND STF, PANAMA CITY, FL 32401

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 E 2ND ST # F, F, PANAMA CITY, FL 32401-3229

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$525.00 (+8.7%) Homeowner's exemption Additional exemption filed$108,389 (+5.99%)$150,758 (+24.2%) Land $25,020 Building $125,738
2024$483.00 (-32.16%)
2023$712.00 (-40.91%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$102,266 (+3%)$121,386 (+10.9%) Land $21,600 Building $99,786
2022$1,205.00 Homeowner's exemption$99,287$109,459 Land $18,756 Building $90,703

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 38 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies184 units insured
incl. 146 condo units
Nearby Flood Claims75 (1982–2018)
Claims Outside the SFHA41 of 75
Most Recent ClaimOct 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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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