Bay County property record for 2512 E 37th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,072 sqft · built 1988 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $274,000 (Aug 2023) |
| Tax Bill | $2,243 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11828-051-000 |
| Primary APN | 11828-051-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,072 sqft Living Area |
| Gross Area | 1,408 sqft |
| 1st Floor Area | 1,072 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Driveway | Driveway |
| Driveway Area | 440 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 92 sqft |
| Deck Area | Deck Area |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2512 E 37TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 22-3S-14W -5.31- ST A B DEV CO PLAT BEG 25 S & 480 W OF NE COR LOT 34 TH W 80 S 150 E 80 N 150 TO POB AKA LOT2 ORB 4723 P 2051 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Subdivision | ST A B DEV CO PLAT |
| Legal Lot Number | 34 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 1301 |
Source: Bay County records, as of July 31, 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 | 7205 LAGOON DR, 6, PANAMA CITY, FL 32408-5512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2023 · Amount on Record |
| Deed Sale | Aug 24, 2023 · Amount on Record |
| Prior Sale | Apr 8, 2014 · Amount on Record |
| Deed Document Number | 202353906 |
| Deed Book / Page | 4723 / 2051 |
| Prior Transfer Date | Aug 12, 2004 |
| Prior Transfer Doc | 0000066699 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 24, 2023 |
| Property Address | 2512 E 37TH ST, PANAMA CITY, FL 32405-6621 |
| Document Number | 0047232051 |
| Book / Page | 4723 / 2051 |
| Instrument Date | Aug 21, 2023 |
| Instrument | 2023053906 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2023 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,918.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2669 FEROL LN, LYNN HAVEN, FL 32444-3213 |
| Name | Verified Name |
|---|---|
| Address | 7205 LAGOON DR UNIT 6, 6, PANAMA CITY, FL 32408-5512 |
| Document Number | 0047232053 |
|---|---|
| Date | Aug 24, 2023 |
| Instrument | 4723/2053 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,243.00 (+1.82%) Homeowner's exemption Widower's exemption | $230,914 (+141.83%) | $236,853 (+148.05%) Land $38,800 Building $198,053 |
| 2024 | $2,203.00 (+78.38%) | ||
| 2023 | $1,235.00 (+23.5%) | $95,485 (+14.74%) Land $33,600 Building $61,885 | $95,485 (+14.74%) Land $33,600 Building $61,885 |
| 2022 | $1,000.00 | $83,216 Land $26,640 Building $56,576 | $83,216 Land $26,640 Building $56,576 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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 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.
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 |
| 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.
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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