Bay County property record for 2507 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,438 sqft · built 1979 |
| Lot Size | 0.176 acres (7,666 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $43,000 (Feb 2013) |
| Tax Bill | $1,413 (2025) |
| Deeds & Mortgages | Mar 2023 Construction Loan Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 16075-016-000 |
| Primary APN | 16075-016-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,438 sqft Living Area |
| 1st Floor Area | 1,438 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,666 sqft (0.176 acres) |
| Lot Dimensions | 110 ft deep x 70 ft wide |
| Driveway | Driveway |
| Driveway Area | 250 sqft |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2507 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | GIBSON SUBD LOT 15 ORB 4045 P 1620 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | GIBSON SUBD |
| Legal Lot Number | 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 1700 |
Source: Bay County records, as of April 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 19211 PANAMA CITY BEACH PKWY, PANAMA CITY BEACH, FL 32413-8712 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Mar 28, 2023 | Deed of Trust, Mortgage · Construction Mortgage FAIRWINDS CU |
| Sep 7, 2018 | Quit Claim Deed, Transfer · Line of Credit ONE SOUTH BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2013 · Amount on Record |
| Deed Sale | Feb 25, 2013 · Amount on Record |
| Prior Sale | Oct 24, 2012 · Amount on Record |
| Deed Document Number | 201310583 |
| Deed Book / Page | 3486 / 1392 |
| Last Transfer Date | Aug 31, 2018 |
| Transfer Doc | 0040451620 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2507 E 9TH ST, PANAMA CITY, FL 32401-4511 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 19211 PANAMA CITY BEACH PKWY 108, 108, PANAMA CITY, FL 32413-8712 |
| Document Number | 0046712297 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 4671/2297 |
| Instrument | 2023018549 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32801 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 7, 2018 |
| Property Address | 2507 E 9TH ST, PANAMA CITY, FL 32401-4511 |
| Document Number | 0040451620 |
| Book / Page | 4045 / 1620 |
| Map Reference | MB12 PG2 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 2018053859 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | TICON TITLE CO LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2413 PARKWOOD DR, 2413, PANAMA CITY, FL 32405-4442 |
| Name | Verified Name |
|---|---|
| Address | 12805 US HIGHWAY 98 E UNIT S201, S201, INLET BEACH, FL 32461-9633 |
| Document Number | 0040451622 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 4045/1622 |
| Instrument | 2018053860 |
| Name | ONE SOUTH BANK |
|---|---|
| Type | Bank |
| Address | CHIPLEY, FL 32428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2033 |
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 | $1,413.00 (-25.16%) | $79,555 (-18.69%) | $109,017 (+11.43%) Land $20,248 Building $88,769 |
| 2024 | $1,888.00 (+22.12%) | ||
| 2023 | $1,546.00 (+11.54%) | $97,837 (+9.82%) Land $13,706 Building $84,131 | $97,837 (+9.82%) Land $13,706 Building $84,131 |
| 2022 | $1,386.00 | $89,089 Land $12,771 Building $76,318 | $89,089 Land $12,771 Building $76,318 |
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 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 |
|
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 | 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.
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 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 |
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