2509 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2509 E 37th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,332 sqft · built 1984
Lot Size	0.251 acres (10,977 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Feb 2023)
Tax Bill	$1,940 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11825-069-000`

Property Details

APN / Parcel Number

Primary APN	`11825-069-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,332 sqft Heated Area
Gross Area	1,344 sqft
1st Floor Area	1,332 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2014
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	10,977 sqft (0.251 acres)
Lot Dimensions	172 ft deep x 64 ft wide
Driveway	Driveway
Driveway Area	522 sqft

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	96 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2509 E 37TH ST
City	PANAMA CITY
State	FL
Zip	32405-6601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	22 3S 14W -2.69- 103D1 BEG 25' N & 1110.50' W OF SE COR OF NE1/4 OF NE1/4 TH W 64'
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	GREEN TREE HEIGHTS
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2062
Census Tract	1301

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	Individual Name on Record
Mailing Address	2509 E 37TH ST, PANAMA CITY, FL 32405-6601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Warranty Deed, Transfer · FHA Mortgage TYNDALL FCU
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
May 21, 2018	Grant Deed, Transfer SHORE TO SHORE TITLE INC
Nov 14, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2023 · Amount on Record
Deed Sale	Feb 17, 2023 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	2023009474
Deed Book / Page	4657 / 2250
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 17, 2023
Property Address	2509 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number	0046572250
Book / Page	4657 / 2250
Instrument Date	Feb 14, 2023
Instrument	2023009474
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2509 E 37TH ST, PANAMA CITY, FL 32405-6601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 LOUISIANA AVE, LYNN HAVEN, FL 32444-2737

Mortgage

Document Number	0046572252
Date	Feb 17, 2023
Instrument	4657/2252

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 30, 2020
Property Address	2509 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number	0042690264
Book / Page	4269 / 264
Instrument Date	Jun 30, 2020
Instrument	2020042772
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$882.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2620 E 39TH PLZ, 2620, PANAMA CITY, FL 32405-6605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 E 37TH ST, PANAMA CITY, FL 32405-6601

Mortgage

Document Number	0004269266
Date	Jun 30, 2020
Instrument	4269/266

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	May 21, 2018
Property Address	2509 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number	0040100105
Book / Page	004010 / 000105
Instrument Date	May 18, 2018
Instrument	29830
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	SHORE TO SHORE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$672.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2620 E 39TH PLZ PANAMA CITY FL 324056605, PANAMA CITY, FL 32405-6605

November 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BAY FL
Recording Date	Nov 14, 2017
Property Address	2509 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number	0039541465
Book / Page	003954 / 001465
Instrument Date	Oct 30, 2017
Instrument	65811
Transaction Type	Foreclosure
Record Updated	Dec 1, 2017

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,940.00 (+16.59%) Homeowner's exemption	$196,490 (+49.21%)	$201,494 (+53.01%) Land $32,282 Building $169,212
2023	$1,664.00 (+20.14%)	$131,691 (+12.98%) Land $27,955 Building $103,736	$131,691 (+12.98%) Land $27,955 Building $103,736
2022	$1,385.00	$116,562 Land $22,164 Building $94,398	$116,562 Land $22,164 Building $94,398

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 325 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	325 in force
Nearby Flood Claims	60 (1998–2021)
Claims Outside the SFHA	27 of 60
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 48 claims Severe Storms And Flooding, Jul 2013 · 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	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	LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people · EPA ID FL1030435
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Nov 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 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

May also be available: AT&T.

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