2517 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2517 E 37th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1984
Lot Size	0.251 acres (10,977 sqft)
Owner	Individual Name on Record
Last Sale	$249,000 (Jul 2024)
Tax Bill	$2,651 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11825-055-000`

Property Details

APN / Parcel Number

Primary APN	`11825-055-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Heated Area
Gross Area	1,560 sqft
1st Floor Area	1,300 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	10,977 sqft (0.251 acres)
Lot Dimensions	172 ft deep x 64 ft wide
Garage Area	240 sqft
Driveway	Driveway
Driveway Area	360 sqft
Porch	Porch
Porch Area	260 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2517 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 -2.55- MAP 103D1 BEG 25' N & 982.50' W OF SE COR OF NE1/4 OF NE1/4 TH W 64'
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 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
Co-owner	Co-owner on Record
Mailing Address	2517 E 37TH ST, PANAMA CITY, FL 32405-6601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2024 · Amount on Record
Deed Sale	Jul 30, 2024 · Amount on Record
Deed Document Number	2024044841
Deed Book / Page	4826 / 199
Record Updated	Jun 8, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 30, 2024
Property Address	2517 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number	0048260199
Book / Page	4826 / 199
Instrument Date	Jul 29, 2024
Instrument	2024044841
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3016 MEADOW ST, LYNN HAVEN, FL 32444-5671

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2517 E 37TH ST, PANAMA CITY, FL 32405-6601

Mortgage

Document Number	2024044842
Date	Jul 30, 2024
Instrument	2024044842

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

Mortgage

Document Number	0048260220
Date	Jul 30, 2024
Book Page	4826/220
Instrument	2024044843

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$2,651.00 (+347.8%)	$214,303 (+157.56%) Land $32,282 Building $182,021	$214,303 (+110.09%) Land $32,282 Building $182,021
2023	$592.00 (+11.07%) Homeowner's exemption	$83,205 (+3%)	$102,007 (+14.43%) Land $27,955 Building $74,052
2022	$533.00 Homeowner's exemption	$80,782	$89,143 Land $22,164 Building $66,979

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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