Bay County property record for 2518 E 40th Ct, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 790 sqft · built 1985 |
| Lot Size | 0.236 acres (10,280 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $61,000 (Feb 2022) |
| Tax Bill | $763 (2025) |
| Deeds & Mortgages | Oct 2022 Transfer Feb 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 11548-010-000 |
| Primary APN | 11548-010-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 790 sqft Living Area |
| 1st Floor Area | 790 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,280 sqft (0.236 acres) |
| Lot Dimensions | 141 ft deep x 73 ft wide |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2518 E 40TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 15 3S 14W -14.1- 103A ST AND BAY DEV CO PLAT COM AT SE COR OF SEC N 670.8 W 1050 FOR POB TH CONT W 73.11 N 141.08 TO S R/W OF 40TH CT E 72.41 S 141 TO POB ORB 4620 P 1219 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 15 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2071 |
| Census Tract | 1301 |
Source: Bay County records, as of March 6, 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 | 2544 E 40TH CT, PANAMA CITY, FL 32405-6607 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 8, 2022 | Warranty Deed, Transfer ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2022 · Amount on Record |
| Deed Sale | Feb 8, 2022 · Amount on Record |
| Prior Sale | Dec 11, 2014 · Amount on Record |
| Deed Document Number | 20229068 |
| Deed Book / Page | 4521 / 102 |
| Prior Transfer Date | Dec 1, 2014 |
| Prior Transfer Doc | 0036610685 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 13, 2022 |
| Property Address | 2518 E 40TH CT, PANAMA CITY, FL 32405-6607 |
| Document Number | 0046201219 |
| Book / Page | 4620 / 1219 |
| Instrument Date | Oct 12, 2022 |
| Instrument | 2022075232 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2544 E 40TH CT, 2544, PANAMA CITY, FL 32405-6607 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2544 E 40TH CT, PANAMA CITY, FL 32405-6607 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 8, 2022 |
| Property Address | 2518 E 40TH CT, PANAMA CITY, FL 32405-6607 |
| Document Number | 0045210102 |
| Book / Page | 4521 / 102 |
| Instrument Date | Feb 3, 2022 |
| Instrument | 2022009068 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $427.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1255 LEE RD, 1255, BONIFAY, FL 32425-7701 |
| Name | Verified Name |
|---|---|
| Address | 2544 E 40TH CT, PANAMA CITY, FL 32405-6607 |
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 | $763.00 (+3.39%) | $59,693 (+21%) | $64,261 (+30.26%) Land $40,277 Building $23,984 |
| 2024 | $738.00 (+12.33%) | ||
| 2023 | $657.00 (+80.99%) | $49,333 (+76.3%) Land $26,255 Building $23,078 | $49,333 (+76.3%) Land $26,255 Building $23,078 |
| 2022 | $363.00 | $27,983 Land $23,965 Building $4,018 | $27,983 Land $23,965 Building $4,018 |
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 |
|---|---|
| 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 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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