Bay County property record for 2512 E 9th Cir, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 984 sqft · built 2003 |
| Lot Size | 0.311 acres (13,547 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $535 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16075-011-010 |
| Primary APN | 16075-011-010 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 984 sqft Living Area |
| 1st Floor Area | 984 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,547 sqft (0.311 acres) |
| Lot Dimensions | 146 ft deep x 93 ft wide |
| Driveway | Driveway |
| Driveway Area | 840 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 88 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2512 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 10 ORB 1564 P 1355 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | GIBSON SUBDIVISION |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 1700 |
2512 E 9th Cir is owned and occupied by two individuals who acquired it in November 2005.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2512 E 9TH CIR, PANAMA CITY, FL 32401-4580 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 1, 2005 |
| Transfer Doc | 0026970254 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2512 E 9TH CIR, PANAMA CITY, FL 32401-4580 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2512 E 9TH CIR, PANAMA CITY, FL 32401-4580 |
| Document Number | 0045082285 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 4508/2285 |
| Instrument | 2022001734 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2037 |
The 2025 property tax bill for 2512 E 9th Cir was $535 with a homeowner's exemption, down 20.1% 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 | $535.00 (-20.15%) Homeowner's exemption | $75,938 | $104,628 Land $29,923 Building $74,705 |
| 2024 | $670.00 (-9.58%) | ||
| 2023 | $741.00 (-6.91%) Homeowner's exemption | $71,649 (+3%) | $92,063 (+8.94%) Land $20,255 Building $71,808 |
| 2022 | $796.00 Homeowner's exemption | $69,562 | $84,505 Land $18,874 Building $65,631 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2512 E 9th Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 2512 E 9th Cir is low, with less than 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 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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