2522 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2522 E 37th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,329 sqft · built 1994
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,900 (Sep 2017)
Tax Bill	$2,557 (2025)
Deeds & Mortgages	Apr 2019 Loan Modification Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11828-053-000`

Property Details

APN / Parcel Number

Primary APN	`11828-053-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,329 sqft Living Area
Gross Area	1,770 sqft
1st Floor Area	1,329 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	960 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Patio Area	180 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2522 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 -5.33- MAP 103D1 ST AND BAY DEV CO PLAT BEG 25 S & 320 W OF NE COR LOT 34 TH W 80 S 150 E 80 N 150 TO POB AKA LOT 4 ORB 3940 P 555
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	ST AND BAY 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

Owner

Source: Bay County records, as of August 12, 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	2522 E 37TH ST, PANAMA CITY, FL 32405-6621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2019	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Apr 18, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 26, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2017 · Amount on Record
Deed Sale	Sep 26, 2017 · Amount on Record
Prior Sale	Jun 30, 2006 · Amount on Record
Deed Document Number	201755231
Deed Book / Page	3940 / 555
Prior Transfer Date	Dec 28, 2016
Prior Transfer Doc	0038611971
Record Updated	Sep 20, 2026

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	2522 E 37TH ST, PANAMA CITY, FL 32405-6621
Document Number	0041452264
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1615 BLACK CREEK BLVD FREEPORT FL 324395921, FREEPORT, FL 32439-5921

Mortgage

Document Number	0041452264
Date	Jul 18, 2019
Book Page	004145/002264
Instrument	65092

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

Interest

Rate	4.75%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2522 E 37TH ST, PANAMA CITY, FL 32405-6621
Document Number	0041452271
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 9, 2019
Title Company	AMROCK TITLE COMPANY, AMROCK TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1615 BLACK CREEK BLVD FREEPORT FL 324395921, FREEPORT, FL 32439-5921

Mortgage

Document Number	0041452271
Date	Jul 18, 2019
Book Page	004145/002271
Instrument	65093

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 26, 2017
Property Address	2522 E 37TH ST, PANAMA CITY, FL 32405-6621
Document Number	0039400555
Book / Page	003940 / 000555
Instrument Date	Sep 25, 2017
Instrument	55231
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,189.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2522 E 37TH ST PANAMA CITY FL 324056621, PANAMA CITY, FL 32405-6621

Mortgage

Document Number	39400557
Date	Sep 26, 2017
Book Page	003940/000557
Instrument	55232

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

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	$2,557.00 (+5.92%)	$203,453 (+14.61%) Land $38,800 Building $164,653	$203,453 (+14.61%) Land $38,800 Building $164,653
2024	$2,414.00 (+7.91%)
2023	$2,237.00 (+19.88%)	$177,513 (+12.24%) Land $33,600 Building $143,913	$177,513 (+12.24%) Land $33,600 Building $143,913
2022	$1,866.00	$158,150 Land $26,640 Building $131,510	$158,150 Land $26,640 Building $131,510

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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