2507 E 9th Cir, Panama City, FL 32401 Property Records

Bay County property record for 2507 E 9th Cir, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,625 sqft · built 1980
Lot Size	0.301 acres (13,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$136,000 (Aug 2019)
Tax Bill	$1,363 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16075-008-000`

Property Details

APN / Parcel Number

Primary APN	`16075-008-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,625 sqft Heated Area
Gross Area	1,797 sqft
1st Floor Area	1,625 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,155 sqft (0.301 acres)
Lot Dimensions	155 ft deep x 85 ft wide

Exterior Amenities

Porch	Porch
Porch Area	232 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2507 E 9TH CIR
City	PANAMA CITY
State	FL
Zip	32401-4580
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	GIBSON SUBDIVISION 105A4 LOT 7 ORB 4162 P 1998
Legal Range	14W
Legal Township	04S
Legal Section	03
Legal Subdivision	GIBSON SUB
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1012
Census Tract	1700

Owner

Source: Bay County records, as of January 23, 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	2507 E 9TH CIR, PANAMA CITY, FL 32401-4580
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	May 20, 2009 · Amount on Record
Deed Document Number	2019077852
Deed Book / Page	4162 / 1998
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 30, 2019
Property Address	2507 E 9TH CIR, PANAMA CITY, FL 32401-4580
Document Number	0041621998
Book / Page	004162 / 001998
Instrument Date	Aug 29, 2019
Instrument	77852
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$952.00
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	2507 E 9TH CIR PANAMA CITY FL 324014580, PANAMA CITY, FL 32401-4580

Mortgage

Document Number	41622000
Date	Aug 30, 2019
Book Page	004162/002000
Instrument	77853

Lender

Name	CONSUMER R/E FIN
Type	Funding / Finance Company
Address	FORT LAUDERDALE, FL 33301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

Tax Assessment & Valuation

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

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	$1,363.00 (-12.68%) Homeowner's exemption	$128,350 (+5.99%)	$148,196 (+10.44%) Land $27,901 Building $120,295
2023	$1,561.00 (+2.03%) Homeowner's exemption	$121,100 (+3%)	$134,190 (+7.83%) Land $18,887 Building $115,303
2022	$1,530.00 Homeowner's exemption	$117,572	$124,451 Land $17,599 Building $106,852

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 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 Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	16 (1999–2024)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Michael, Oct 2018 · 4 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 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	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 266 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