2421 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 2421 E 16th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1956
Lot Size	0.619 acres (26,964 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Jul 2011)
Tax Bill	$530 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`14802-000-000`

Property Details

APN / Parcel Number

Primary APN	`14802-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,840 sqft Heated Area
Gross Area	2,691 sqft
1st Floor Area	1,840 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2006
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	26,964 sqft (0.619 acres)
Lot Dimensions	135 ft deep x 200 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	221 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2421 E 16TH ST
City	PANAMA CITY
State	FL
Zip	32405-6303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORRIS HEIGHTS LOTS 3 & 4 BLK 2 ORB 3339 P 1829
Legal Range	14W
Legal Township	03S
Legal Section	34
Legal Subdivision	MORRIS HEIGHTS
Legal Block	2
Legal Lot Number	3,4 4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1200

Owner

2421 E 16th St is owned and occupied by an individual who bought it in July 2011.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2421 E 16TH ST, PANAMA CITY, FL 32405-6303
Occupancy	Owner Occupied
Owner Type	Individual

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	2 Names on Deed
Last Sale	Jul 28, 2011 · Amount on File
Deed Sale	Jul 28, 2011 · Amount on File
Prior Sale	Aug 21, 2001
Deed Document Number	2011037082
Deed Book / Page	3339 / 1829
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2421 E 16TH ST, PANAMA CITY, FL 32405-6303
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2421 E 16TH ST, PANAMA CITY, FL 32405-6303

Mortgage

Document Number	0044430505
Date	Aug 4, 2021
Book Page	4443/505
Instrument	2021059835

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 2421 E 16th St was $530 with a homeowner's exemption.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$530.00 Homeowner's exemption	$82,529	$222,318 Land $65,960 Building $156,358
2023	$526.00 (+11.21%) Homeowner's exemption	$77,867 (+3%)	$198,075 (+28.74%) Land $48,510 Building $149,565
2022	$473.00 Homeowner's exemption	$75,599	$153,857 Land $35,310 Building $118,547

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

Flood

FEMA maps place 2421 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 2421 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