2409 E 10th St, Panama City, FL 32401 Property Records

Bay County property record for 2409 E 10th St, Panama City, FL 32401

Property Summary

Property Type	Triplex
Details	2 bd · 1 ba · 2,117 sqft · built 1978
Lot Size	0.148 acres (6,446 sqft)
Owner	Company Name on File
Tax Bill	$1,330 (2025)
Deeds & Mortgages	Mar 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`15866-010-000`

Property Details

APN / Parcel Number

Primary APN	`15866-010-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	3 Units
Stories	1 Story
Building Area	2,117 sqft Living Area
1st Floor Area	2,117 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Triplex
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,446 sqft (0.148 acres)
Lot Dimensions	95 ft deep x 68 ft wide
Porch	Unfinished Open Porch
Porch Area	410 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2409 E 10TH ST
City	PANAMA CITY
State	FL
Zip	32401-7008
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	PC04
Legal Description	3 4S 14W-54.1-105A4 BEG 54O S & 563.54 E OF NW COR OF NW1/4 OF NE1/4 OF SE1/4 FOR POB TH E 68.54 S 95.18 W 68.55 N 95.27TO POB ORB 4376 P 2338
Legal Range	14W
Legal Township	04S
Legal Section	03
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1004
Census Tract	1700

Owner

2409 E 10th St, a triplex, is owned by a company that acquired it in March 2021.

Source: Bay County records, as of May 28, 2026

Owner of Record	Company Name on File
Mailing Address	1003 W 23RD ST, PANAMA CITY, FL 32405-3607
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 9, 2021
Transfer Doc	0043762332
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 16, 2021
Property Address	2409 E 10TH ST, PANAMA CITY, FL 32401-7008
Document Number	0043762332
Book / Page	4376 / 2332
Instrument Date	Mar 9, 2021
Instrument	2021019092
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 W 23RD ST, PANAMA CITY, FL 32405-3607

Tax Assessment & Valuation

The 2025 property tax bill for 2409 E 10th St was $1,330, down 36.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,330.00 (-36.45%)	$82,695	$87,206 Land $18,343 Building $68,863
2024	$2,093.00 (+49.5%)
2023	$1,400.00 (+14.57%)	$73,955 (+19.03%) Land $12,416 Building $61,539	$73,955 (+19.03%) Land $12,416 Building $61,539
2022	$1,222.00	$62,130 Land $11,570 Building $50,560	$62,130 Land $11,570 Building $50,560

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2409 E 10th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	16 (1999–2024)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Michael, Oct 2018 · 4 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

Wildfire risk around 2409 E 10th St is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 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