Bay County property record for 2524 E 39th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,684 sqft · built 2016 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | Individual Name on File |
| Last Sale | $227,500 (Nov 2016) |
| Tax Bill | $2,411 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11849-985-038 |
| Primary APN | 11849-985-038 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,684 sqft Heated Area |
| Gross Area | 2,287 sqft |
| 1st Floor Area | 1,684 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,360 sqft (0.146 acres) |
| Lot Dimensions | 106 ft deep x 60 ft wide |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 656 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 183 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2524 E 39TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINES OF LYNN HAVEN LOT 38 ORB 3847 P 893 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Subdivision | PINES OF LYNN HAVEN |
| Legal Lot Number | 38 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2063 |
| Census Tract | 1301 |
2524 E 39th St is owned and occupied by an individual who bought it in November 2016.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2524 E 39TH ST, PANAMA CITY, FL 32405-6634 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2016 · Amount on File |
| Deed Sale | Nov 4, 2016 · Amount on File |
| Deed Document Number | 2016061798 |
| Deed Book / Page | 3847 / 0893 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2524 E 39TH ST, PANAMA CITY, FL 32405-6634 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OMEGA TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0042741387 |
|---|---|
| Date | Jul 15, 2020 |
| Book Page | 4274/1387 |
| Instrument | 2020046135 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 2524 E 39th St was $2,411 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,411.00 Homeowner's exemption | $201,863 | $280,978 Land $48,285 Building $232,693 |
| 2023 | $2,347.00 (+19.08%) Homeowner's exemption | $190,460 (+9.74%) | $254,763 (+25.8%) Land $38,628 Building $216,135 |
| 2022 | $1,971.00 Homeowner's exemption | $173,555 | $202,507 Land $33,669 Building $168,838 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2524 E 39th St 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 2524 E 39th St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 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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