2411 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 2411 E 16th St, Panama City, FL 32405

Property Summary

Property Type	Vacant Land
Lot Size	0.154 acres (6,708 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`14800-010-000`

Property Details

APN / Parcel Number

Primary APN	`14800-010-000`

Exterior

Lot Area	6,708 sqft (0.154 acres)
Lot Dimensions	135 ft deep x 50 ft wide

Location & Zoning

Street Address	2411 E 16TH ST
City	PANAMA CITY
State	FL
Zip	32405-6303
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	MORRIS HEIGHTS MAP 104D4 E1/2 OF LOT 1 BLK 2 ORB 4943 P 2365
Legal Block	2
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1200

Owner

2411 E 16th St, vacant land, is owned and occupied by an individual who bought it in May 2026.

Source: Bay County records, as of June 17, 2026

Owner of Record	Individual Name on File
Mailing Address	2411 E 16TH ST, PANAMA CITY, FL 32405-6303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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 Sale	May 26, 2026 · Amount on File
Deed Sale	May 26, 2026 · Amount on File
Deed Document Number	202631462
Deed Book / Page	5038 / 667
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 26, 2026
Property Address	2411 E 16TH ST, PANAMA CITY, FL 32405-6303
Document Number	0000031462
Book / Page	5038 / 667
Instrument Date	May 22, 2026
Instrument	202631462
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212,100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2411 E 16TH ST, PANAMA CITY, FL 32405-6303

Mortgage

Document Number	0000031463,
Date	May 26, 2026
Book Page	5038/669
Instrument	202631463

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$19,400 Land $19,400	$19,400 Land $19,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2411 E 16th 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	Hurricane Michael, Oct 2018 · 5 claims Severe Storms And Flooding, Jul 2013 · 5 claims Hurricane Dennis, Jul 2005 · 3 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 2411 E 16th 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	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

Violations Reported to EPA

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.

Internet Providers

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