Bay County property record for 2405 E 17th St, Panama City, FL 32405
| Property Type | Commercial Office |
|---|---|
| Details | 2,675 sqft · built 1969 |
| Lot Size | 0.698 acres (30,448 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $81,500 (Jul 2000) |
| Tax Bill | $1,284 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 14628-000-000 |
| Primary APN | 14628-000-000 |
|---|
| Total Rooms | 4 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 2,675 sqft Total Area |
| 1st Floor Area | 1,232 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 30,448 sqft (0.698 acres) |
| Lot Dimensions | 140 ft deep x 235 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2405 E 17TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6312 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Legal Description | 34 3S 14W -22.1- MAP 104D4 ST A B DEV CO PLAT BEG NW COR LOT 99 FOR POB TH |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 34 |
| Legal Subdivision | CEDAR GROVE HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 99 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 1200 |
The current owner of 2405 E 17th St bought it in July 2000.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 2405 E 17TH ST, PANAMA CITY, FL 32405-6312 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2000 · Amount on File |
| Deed Sale | Jul 17, 2000 · Amount on File |
| Deed Document Number | 2000-036001 |
| Deed Book / Page | 1959 / 2136 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2405 E 17TH ST, PANAMA CITY, FL 32405-6312 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0039112365 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 3911/2365 |
| Instrument | 2017035451 |
| Name | SUMMIT BANK NA |
|---|---|
| Type | Bank |
| Address | DAWSON, PA 15428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 2405 E 17th St was $1,284.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,284.00 | $103,843 Land $60,980 Building $42,863 | $103,843 Land $60,980 Building $42,863 |
| 2023 | $1,405.00 (+7.17%) | $96,269 (-) Land $60,980 Building $35,289 | $96,269 (-) Land $60,980 Building $35,289 |
| 2022 | $1,311.00 | $96,269 Land $60,980 Building $35,289 | $96,269 Land $60,980 Building $35,289 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2405 E 17th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 32.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 25 (1982–2018) |
| Claims Outside the SFHA | 20 of 25 |
| 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 2405 E 17th St is low, with a 0.02% 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 | 0.02% 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 | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 251 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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