Bay County property record for 2406 E 16th Ct, Panama City, FL 32405
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.156 acres (6,795 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Jun 2026) |
| Tax Bill | $240 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 14637-010-000 |
| Primary APN | 14637-010-000 |
|---|
| Lot Area | 6,795 sqft (0.156 acres) |
|---|---|
| Lot Dimensions | 136 ft deep x 50 ft wide |
| Street Address | 2406 E 16TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6309 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | 34 3S 14W -28.1 -104D4 OLD 79A ST A B DEV CO PLAT E1/2 OF BEG SW COR LOT 110 TH E 135 N 140 SW 135 S 107 TO POB AKA LOT 6 BLK 3 CEDAR GROVE PARK UNRE LESS WEST 30 ****AKA**** LEGAL PER SURVEY COMM SW COR OF LOT 110 TH E 30 FOR POB TH N 115 NELY 100.9 |
| Legal Subdivision | CEDAR GROVE PARK |
| Legal Lot Number | 110 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1200 |
Source: Bay County records, as of June 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2406 E 16TH CT, PANAMA CITY, FL 32405-6309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2026 · Amount on Record |
| Deed Sale | Jun 3, 2026 · Amount on Record |
| Deed Document Number | 202633377 |
| Deed Book / Page | 5041 / 757 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 3, 2026 |
| Property Address | 2406 E 16TH CT, PANAMA CITY, FL 32405-6309 |
| Document Number | 0050410757 |
| Book / Page | 5041 / 757 |
| Instrument Date | May 28, 2026 |
| Instrument | 202633377 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,890.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2406 E 16TH CT, PANAMA CITY, FL 32405-6309 |
| Document Number | 0000033378, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 202633378 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000033379, |
|---|---|
| Date | Jun 3, 2026 |
| Book Page | 5041/780 |
| Instrument | 202633379 |
| Name | BAY COUNTY BOARD COMMISSIONERS |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $240.00 (+31.15%) | $19,400 Land $19,400 | $19,400 Land $19,400 |
| 2024 | $183.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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.
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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