2513 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2513 E 37th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1984
Lot Size	0.252 acres (10,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$10,000 (Dec 2019)
Tax Bill	$1,177 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Dec 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11825-058-000`

Property Details

APN / Parcel Number

Primary APN	`11825-058-000`
Alternative APN	`4094400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	1,300 sqft
1st Floor Area	988 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1989
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,977 sqft (0.252 acres)
Lot Dimensions	172 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	312 sqft
Driveway	Driveway
Driveway Area	450 sqft
Porch	Screened/Unfinished Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2513 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 -2.58- BEG 25 N & 1046.50 W OF SE COR OF NE1/4 OF NE1/4 TH W 64 N 172 E 64 S 172 TO POB. ORB 4203 P 1987
Legal Range	14W
Legal Township	03S
Legal Section	22
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 5, 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	207 N CHURCH AVE, PANAMA CITY, FL 32401-6124
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2018	Deed of Trust, Mortgage · VA Mortgage TYNDALL FCU
Dec 17, 2019	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I
Dec 20, 2019	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Dec 17, 2019 · Amount on Record
Deed Document Number	2019107709
Deed Book / Page	4203 / 198
Prior Transfer Date	Jul 1, 2016
Prior Transfer Doc	0038140913
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2513 E 37TH ST, PANAMA CITY, FL 32405-6601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039992162
Date	Apr 18, 2018
Book Page	3999/2162
Instrument	2018022948

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2033

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 17, 2019
Property Address	2513 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number	0042020107
Book / Page	004202 / 000107
Instrument Date	Dec 9, 2019
Instrument	106495
Transaction Type	Transfer
Record Updated	Jan 9, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount Recorded
Tax	$455.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	207 N CHURCH AVE PANAMA CITY BEACH FL 324016124, PANAMA CITY BEACH, FL 32401-6124

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 20, 2019
Property Address	2513 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number	0042031987
Book / Page	004203 / 001987
Instrument Date	Dec 9, 2019
Instrument	107709
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount Recorded
Tax	$70.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	627 POINSETTIA CT PANAMA CITY BEACH FL 324132618, PANAMA CITY BEACH, FL 32413-2618

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$1,177.00 (+4.16%)	$87,248 (-4.33%)	$105,546 (+15.73%) Land $32,282 Building $73,264
2024	$1,130.00 (+7.93%)
2023	$1,047.00 (+19.79%)	$91,200 (+14.57%) Land $27,955 Building $63,245	$91,200 (+14.57%) Land $27,955 Building $63,245
2022	$874.00	$79,600 Land $22,164 Building $57,436	$79,600 Land $22,164 Building $57,436

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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