2503 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 2503 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,536 sqft · built 2007
Lot Size	0.465 acres (20,255 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (May 2008)
Tax Bill	$2,691 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`22907-000-000`

Property Details

APN / Parcel Number

Primary APN	`22907-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,536 sqft Living Area
1st Floor Area	792 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	20,255 sqft (0.465 acres)
Lot Dimensions	137 ft deep x 69 ft wide
Porch	Open Porch
Porch Area	863 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2503 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU1
Legal Description	HOLMES ADD REPLAT PB 7 P 22 LOTS 6,7 BLK 11 RANDAL H GRAY REPLAT HOLMES AD ORB 4298 P 1193 SUBJ TO ACCESS & DRNG ESMT
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	HOLMES ADD
Legal Block	11
Legal Lot Number	6,7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1018
Census Tract	1800

Owner

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	717 FLORIDA AVE, PANAMA CITY, FL 32401-2338
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2008 · Amount on Record
Deed Sale	May 29, 2008 · Amount on Record
Prior Sale	Feb 10, 2005 · Amount on Record
Deed Document Number	200830429
Deed Book / Page	3053 / 2011
Last Transfer Date	Sep 8, 2020
Transfer Doc	0042981193
Record Updated	Jun 8, 2026

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Sep 14, 2020
Property Address	2503 E 2ND CT, PANAMA CITY, FL 32401-6102
Document Number	0042981193
Book / Page	4298 / 1193
Map Reference	MB 7 PG 22
Instrument Date	Sep 8, 2020
Instrument	2020060570
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2503 E 2ND CT, PANAMA CITY, FL 32401-6102

Mortgage

Document Number	0042981195
Date	Sep 14, 2020
Instrument	4298/1195

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

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	$2,691.00 (-2.07%)	$170,420 (+10.69%) Land $50,804 Building $119,616	$170,420 (+10.69%) Land $50,804 Building $119,616
2024	$2,748.00 (-0.25%)
2023	$2,755.00 (+15.56%)	$153,966 (+14.73%) Land $39,588 Building $114,378	$153,966 (+14.73%) Land $39,588 Building $114,378
2022	$2,384.00	$134,193 Land $29,690 Building $104,503	$134,193 Land $29,690 Building $104,503

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

Flood

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 19 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 units insured incl. 28 condo units
Nearby Flood Claims	19 (1979–2021)
Claims Outside the SFHA	13 of 19
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 6 claims Hurricane Opal, Oct 1995 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% 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	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 185 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20