Bay County property record for 2504 E 2nd Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,472 sqft · built 1989 |
| Lot Size | 0.159 acres (6,926 sqft) |
| Owner | Individual Name on File |
| Last Sale | $243,000 (Mar 2023) |
| Tax Bill | $2,692 (2025) |
| Deeds & Mortgages | Mar 2023 Sale Aug 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 22936-000-000 |
| Primary APN | 22936-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 1,472 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Prefab Panel |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 6,926 sqft (0.159 acres) |
| Lot Dimensions | 95 ft deep x 73 ft wide |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 360 sqft |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2504 E 2ND CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-6101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MU1 |
| Legal Description | HOLMES ADD LOT 6 LESS STRIP OFF W SIDE ORB 4672 P 313 BLK 16 ORB 2457 P 955 MAP 105D4 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | HOLMES ADD |
| Legal Block | 16 |
| Legal Lot Number | 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 1800 |
2504 E 2nd Ct is owned and occupied by an individual who bought it in March 2023.
Source: Bay County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2504 E 2ND CT, PANAMA CITY, FL 32401-6101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 28, 2023 | Warranty Deed, Transfer NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Aug 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2023 · Amount on File |
| Deed Sale | Mar 28, 2023 · Amount on File |
| Prior Sale | Jun 14, 2004 · Amount on File |
| Deed Document Number | 202318637 |
| Deed Book / Page | 4672 / 313 |
| Prior Transfer Date | Aug 14, 2001 |
| Prior Transfer Doc | 0000045573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 28, 2023 |
| Property Address | 2504 E 2ND CT, PANAMA CITY, FL 32401-6101 |
| Document Number | 0046720313 |
| Book / Page | 4672 / 313 |
| Map Reference | MB 4 PG 40 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 2023018637 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2023 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,701.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4100 KIRKPATRICK RD, PANAMA CITY, FL 32409-2126 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2504 E 2ND CT, PANAMA CITY, FL 32401-6101 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2504 E 2ND CT, PANAMA CITY, FL 32401-6101 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2504 E 2ND CT, PANAMA CITY, FL 32401-6101 |
| Document Number | 0044540467 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 4454/467 |
| Instrument | 2021066835 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 15, 2041 |
The 2025 property tax bill for 2504 E 2nd Ct was $2,692 with a homeowner's exemption, down 2.1% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,692.00 (-2.14%) Homeowner's exemption | $212,538 | $222,746 Land $23,327 Building $199,419 |
| 2024 | $2,751.00 (+162%) | ||
| 2023 | $1,050.00 (-0.19%) Homeowner's exemption | $91,845 (+3%) | $105,476 (+12.88%) Land $18,177 Building $87,299 |
| 2022 | $1,052.00 Homeowner's exemption | $89,170 | $93,438 Land $13,632 Building $79,806 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2504 E 2nd Ct 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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 2504 E 2nd Ct is low, with 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 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.
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 |
| 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.
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 |
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