Bay County property record for 2407 Oaktree Ct, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,652 sqft · built 2005 |
| Lot Size | 0.217 acres (9,444 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Mar 2022) |
| Tax Bill | $4,129 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11954-951-060 |
| Primary APN | 11954-951-060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| Gross Area | 2,135 sqft |
| 1st Floor Area | 1,652 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 9,444 sqft (0.217 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 736 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Patio Area | 126 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2407 OAKTREE CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-3057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRENTWOODS PHASE II LOT 33 ORB 4534 P 2104 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 25 |
| Legal Subdivision | BRENTWOODS PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 33 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 1302 |
Source: Bay County records · APN 11954-951-060
Assessment roll updated January 5, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 4141 E 15TH ST, 525, PANAMA CITY, FL 32404-5892 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2022 | Warranty Deed, Transfer · FHA Mortgage POINT MORTGAGE CORP |
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 10, 2022 · Amount on Record |
| Deed Sale | Mar 10, 2022 · Amount on Record |
| Prior Sale | Oct 28, 2005 · Amount on Record |
| Deed Document Number | 202217718 |
| Deed Book / Page | 4534 / 2104 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 10, 2022 |
| Property Address | 2407 OAKTREE CT, PANAMA CITY, FL 32404-3057 |
| Document Number | 0045342104 |
| Book / Page | 4534 / 2104 |
| Map Reference | MB 20 PG 24&25 |
| Instrument Date | Mar 04, 2022 |
| Instrument | 2022017718 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2022 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6040 LAKE LANIER HEIGHTS RD, 6040, BUFORD, GA 30518-1250 |
| Name | Verified Name |
|---|---|
| Address | 4141 E 15TH ST APT 525, 525, PANAMA CITY, FL 32404-5892 |
| Document Number | 0045342106 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 4534/2106 |
| Name | POINT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2407 OAKTREE CT, PANAMA CITY, FL 32404-3057 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 60401 LAKE LANIER HIEIGHTS RD, BUFORD, GA 30518 |
| Document Number | 0043631028 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 4363/1028 |
| Instrument | 2021010643 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 01, 2036 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,129.00 (-2.36%) | $260,365 (+13.42%) Land $50,100 Building $210,265 | $260,365 (+13.42%) Land $50,100 Building $210,265 |
| 2024 | $4,229.00 (+7.31%) | ||
| 2023 | $3,941.00 (+43.94%) | $229,557 (+30.04%) Land $45,394 Building $184,163 | $229,557 (+30.04%) Land $45,394 Building $184,163 |
| 2022 | $2,738.00 | $176,531 Land $34,863 Building $141,668 | $176,531 Land $34,863 Building $141,668 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 50 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 50 in force |
| Nearby Flood Claims | 88 (1984–2021) |
| Claims Outside the SFHA | 9 of 88 |
| Most Recent Claim | Aug 2021 · Tropical Storm Fred |
| Claims by Event |
|
| Wildfire Risk | Moderate above 62% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, WOW Internet, Cable & Phone.
Based on FCC filings for 186 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF SPRINGFIELD serves 8,075 people |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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