Bay County property record for 2425 Thames Dr, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,417 sqft · built 1986 |
| Lot Size | 0.895 acres (38,986 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $105,000 (Dec 2002) |
| Tax Bill | $1,059 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Aug 2019 Transfer |
| Flood Zone | Zone A (high risk) |
| APN | 12734-035-000 |
| Primary APN | 12734-035-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,417 sqft Living Area |
| Gross Area | 1,768 sqft |
| 1st Floor Area | 1,417 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 38,986 sqft (0.895 acres) |
| Lot Dimensions | 300 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 351 sqft |
| Driveway | Driveway |
| Driveway Area | 261 sqft |
| Porch | Open Porch |
| Porch Area | 68 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2425 THAMES DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-7156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND CITY (9.36) 117B BEG 170 E OF NW COR LOT 12 TH E 130 S 300 W 130 N 300 TO POB BLK 33 ORB 4159 P 811 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HIGHLAND CITY |
| Legal Block | 33 |
| Legal Lot Number | 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 1302 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2425 THAMES DR, PANAMA CITY, FL 32405-7156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU |
| Aug 22, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2002 · Amount on Record |
| Deed Sale | Dec 12, 2002 · Amount on Record |
| Deed Document Number | 200277149 |
| Deed Book / Page | 2216 / 1094 |
| Last Transfer Date | Aug 19, 2019 |
| Transfer Doc | 0041590811 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2425 THAMES DR, PANAMA CITY, FL 32405-7156 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2425 THAMES DR, PANAMA CITY, FL 32405-7156 |
| Document Number | 0042991740 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 4299/1740 |
| Instrument | 2020061233 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 22, 2019 |
| Property Address | 2425 THAMES DR, PANAMA CITY, FL 32405-7156 |
| Document Number | 0041590811 |
| Book / Page | 004159 / 000811 |
| Instrument Date | Aug 19, 2019 |
| Instrument | 75302 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2425 THAMES DR PANAMA CITY FL 324057156, PANAMA CITY, FL 32405-7156 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,059.00 (-14.94%) Homeowner's exemption | $108,894 (+5.99%) | $171,397 (+21.35%) Land $59,280 Building $112,117 |
| 2024 | $1,245.00 (+3.58%) | ||
| 2023 | $1,202.00 (+8.98%) Homeowner's exemption | $102,743 (+3%) | $141,237 (+12.22%) Land $44,460 Building $96,777 |
| 2022 | $1,103.00 Homeowner's exemption | $99,750 | $125,852 Land $37,939 Building $87,913 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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: 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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 198 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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