Bay County property record for 239 Pine St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,464 sqft · built 1973 |
| Lot Size | 0.353 acres (15,377 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $133,500 (May 2017) |
| Tax Bill | $1,224 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Aug 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25060-050-000 |
| Primary APN | 25060-050-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,464 sqft Heated Area |
| Gross Area | 2,132 sqft |
| 1st Floor Area | 1,464 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 15,377 sqft (0.353 acres) |
| Lot Dimensions | 140 ft deep x 110 ft wide |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 108 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 239 PINE ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-6675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD MAP 119A2 LOT 10 BLK 10 ORB 3904 P 2378 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 13 |
| Legal Subdivision | LAKEWOOD |
| Legal Block | 10 |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 900 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 239 PINE ST, PANAMA CITY, FL 32404-6675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Aug 1, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| May 30, 2017 | Warranty Deed, Transfer · FHA Mortgage FIRST FLORIDA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2017 · Amount on Record |
| Deed Sale | May 30, 2017 · Amount on Record |
| Prior Sale | Nov 14, 2013 · Amount on Record |
| Deed Document Number | 2017030551 |
| Deed Book / Page | 3904 / 2378 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 239 PINE ST, PANAMA CITY, FL 32404-6675 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 239 PINE ST, PANAMA CITY, FL 32404-6675 |
| Document Number | 0047591677 |
|---|---|
| Date | Dec 21, 2023 |
| Book Page | 4759/1677 |
| Instrument | 2023078950 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 239 PINE ST, PANAMA CITY, FL 32404-6675 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 239 PINE ST, PANAMA CITY, FL 32404-6675 |
| Document Number | 0047151358 |
|---|---|
| Date | Aug 1, 2023 |
| Book Page | 4715/1358 |
| Instrument | 2023048112 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 239 PINE ST, PANAMA CITY, FL 32404-6675 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 239 PINE ST, PANAMA CITY, FL 32404-6675 |
| Document Number | 0045011371 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 4501/1371 |
| Instrument | 2021096192 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 30, 2017 |
| Property Address | 239 PINE ST, PANAMA CITY, FL 32404-6675 |
| Document Number | 0039042378 |
| Book / Page | 3904 / 2378 |
| Map Reference | MB8 PG91 |
| Instrument Date | May 19, 2017 |
| Instrument | 2017030551 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 239 PINE ST, 239, PANAMA CITY, FL 32404-6675 |
| Name | Verified Name |
|---|---|
| Address | 1836 N EAST AVE, PANAMA CITY, FL 32405-6257 |
| Document Number | 2017030552 |
|---|---|
| Date | May 30, 2017 |
| Instrument | 2017030552 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Parker City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,224.00 (+7.09%) Homeowner's exemption | $128,425 (+5.99%) | $154,876 (+11.29%) Land $38,269 Building $116,607 |
| 2023 | $1,143.00 (+38.55%) Homeowner's exemption | $121,171 (+3%) | $139,159 (+11.11%) Land $28,028 Building $111,131 |
| 2022 | $825.00 Homeowner's exemption | $117,642 | $125,244 Land $23,716 Building $101,528 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 14 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 28 (1988–2021) |
| Claims Outside the SFHA | 28 of 28 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 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 | PARKER, CITY OF WATER SYSTEM serves 4,358 people · EPA ID FL1030520 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Oct 2023 |
|---|---|
| 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 351 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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