2425 E 13th St, Panama City, FL 32401 Property Records

Bay County property record for 2425 E 13th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1967
Lot Size	1.01 acres (44,083 sqft)
Owner	2 Individual Names on File
Last Sale	$134,900 (Dec 2019)
Tax Bill	$1,151 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15814-000-000`

Property Details

APN / Parcel Number

Primary APN	`15814-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Heated Area
Gross Area	1,619 sqft
1st Floor Area	1,232 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	44,083 sqft (1.01 acres)
Lot Dimensions	210 ft deep x 210 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	51 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2425 E 13TH ST
City	PANAMA CITY
State	FL
Zip	32401-4461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 4S 14W 1 A -8-105A 1 SQ ACRE IN SW COR OF E1/2 OF SE1/4 OF NW1/4 OF NE1/4 LESS WEST 10'
Legal Range	14W
Legal Township	04S
Legal Section	03
Legal Subdivision	SOUTHWEST CORNER
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1035
Census Tract	1200

Owner

2425 E 13th St is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2425 E 13TH ST, PANAMA CITY, FL 32401-4461
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

Date	Document
Jun 5, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Dec 3, 2019	Warranty Deed, Transfer · VA Mortgage SUPREME LNDG
Apr 17, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2019 · Amount on File
Deed Sale	Dec 3, 2019 · Amount on File
Prior Sale	Apr 17, 2018 · Amount on File
Deed Document Number	2019103103
Deed Book / Page	4197 / 0682
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2425 E 13TH ST, PANAMA CITY, FL 32401-4461
Transaction Type	Mortgage
Record Updated	Jun 16, 2023
Title Company	NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 E 13TH ST, PANAMA CITY, FL 32401-4461

Mortgage

Document Number	0046951587
Date	Jun 5, 2023
Book Page	4695/1587
Instrument	2023034452

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 3, 2019
Property Address	2425 E 13TH ST, PANAMA CITY, FL 32401-4461
Document Number	0041970682
Book / Page	004197 / 000682
Instrument Date	Nov 26, 2019
Instrument	103103
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$944.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	910 W 5TH ST LYNN HAVEN FL 324441622, LYNN HAVEN, FL 32444-1622

Mortgage

Document Number	41970687
Date	Dec 3, 2019
Book Page	004197/000687
Instrument	103105

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 17, 2018
Property Address	2425 E 13TH ST, PANAMA CITY, FL 32401-4461
Document Number	0039982320
Book / Page	003998 / 002320
Instrument Date	Apr 13, 2018
Instrument	22226
Transaction Type	Transfer
Record Updated	Apr 30, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$808.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6940 HUGH DR CALLAWAY FL 324048442, CALLAWAY, FL 32404-8442

Tax Assessment & Valuation

The 2025 property tax bill for 2425 E 13th St was $1,151 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	$1,151.00 Homeowner's exemption	$132,684	$182,016 Land $90,720 Building $91,296
2023	$1,118.00 (+11.47%) Homeowner's exemption	$125,189 (+3%)	$153,978 (+20.04%) Land $66,679 Building $87,299
2022	$1,003.00 Homeowner's exemption	$121,543	$128,277 Land $48,535 Building $79,742

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

Flood

FEMA maps place 2425 E 13th 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 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 2425 E 13th St is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 193 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

May also be available: AT&T.

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