2524 E 40th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2524 E 40th Ct, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,359 sqft · built 2011
Lot Size	0.178 acres (7,753 sqft)
Owner	Individual Name on Record
Last Sale	$164,000 (Oct 2014)
Tax Bill	$602 (2025)
Deeds & Mortgages	Jun 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`11547-000-010`

Property Details

APN / Parcel Number

Primary APN	`11547-000-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,359 sqft Living Area
Gross Area	1,645 sqft
1st Floor Area	1,216 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,753 sqft (0.178 acres)
Lot Dimensions	141 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	286 sqft
Driveway	Driveway
Driveway Area	570 sqft
Porch	Florida Room
Porch Area	207 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2524 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 -13.2A- ST AND BAY DEV CO PLAT BEG 670.8 N & 940 W OF SE COR TH W 55 N 141 E 55 S 141 TO POB ORB 4262 P 1921
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

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	Individual Name on Record
Mailing Address	2524 E 40TH CT, PANAMA CITY, FL 32405-6607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2014 · Amount on Record
Deed Sale	Oct 21, 2014 · Amount on Record
Prior Sale	Nov 22, 2011 · Amount on Record
Deed Document Number	201455931
Deed Book / Page	3648 / 1907
Last Transfer Date	Jun 9, 2020
Transfer Doc	0042621921
Record Updated	Jun 8, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 16, 2020
Property Address	2524 E 40TH CT, PANAMA CITY, FL 32405-6607
Document Number	0042621921
Book / Page	004262 / 001921
Instrument Date	Jun 9, 2020
Instrument	38865
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2020 MICHIGAN AVE PANAMA CITY FL 324051825, PANAMA CITY, FL 32405-1825

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	$602.00 (+5.99%) Homeowner's exemption Disabled Person's exemption Widower's exemption Additional exemption filed	$147,625 (+5.99%)	$179,241 (+8.76%) Land $30,346 Building $148,895
2024	$568.00 (-35.53%)
2023	$881.00 (-7.36%) Homeowner's exemption Widower's exemption Additional exemption filed	$139,286 (+18.56%)	$164,797 (+27.04%) Land $19,781 Building $145,016
2022	$951.00 Homeowner's exemption Widower's exemption	$117,482	$129,721 Land $18,056 Building $111,665

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
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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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 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