Bay County property record for 2525 E 40th Ct, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,568 sqft · built 1986 |
| Lot Size | 0.228 acres (9,932 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,309 (2025) |
| Deeds & Mortgages | May 2019 Sale Oct 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 11545-012-000 |
| Primary APN | 11545-012-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,568 sqft Heated Area |
| Gross Area | 1,808 sqft |
| 1st Floor Area | 1,568 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,932 sqft (0.228 acres) |
| Lot Dimensions | 140 ft deep x 71 ft wide |
| Driveway | Driveway |
| Driveway Area | 360 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 420 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2525 E 40TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 15 3S 14W -13.10- ST AND BAY DEV CO PLAT BEG 861.80' N & 896.9' W OF SE |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 15 |
| Legal Subdivision | ST AND BAY DEV CO |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2067 |
| Census Tract | 1301 |
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 |
|---|---|
| Mailing Address | 6600 OAKSHORE DR APT 814, 814, PANAMA CITY, FL 32404-7579 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 9, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Oct 25, 2017 | Loan Modification, Mortgage · Conventional Mortgage AVERY REAL ESTATE HOLDINGS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2025 |
| Deed Sale | Jul 11, 2025 |
| Prior Sale | Jan 12, 2016 · Amount on Record |
| Deed Document Number | 0049311486 |
| Deed Book / Page | 4121 / 1081 |
| Prior Transfer Date | May 9, 2019 |
| Prior Transfer Doc | 2019045428 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 9, 2019 |
| Property Address | 2525 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Document Number | 0041211081 |
| Book / Page | 004121 / 001081 |
| Instrument Date | May 3, 2019 |
| Instrument | 45428 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 S COMMERVE ST GENEVA AL 36340, GENEVA, AL 36340 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2525 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Document Number | 0039491212 |
| Book / Page | 003949 / 001212 |
| Instrument Date | Oct 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 2525 E 40TH CT PANAMA CITY FL 324056606, PANAMA CITY, FL 32405-6606 |
| Document Number | 0039491212 |
|---|---|
| Date | Oct 26, 2017 |
| Book Page | 003949/001212 |
| Instrument | 62103 |
| Name | AVERY REAL ESTATE HOLDINGS INC |
|---|---|
| Address | 600 W COUNTY LINE RD, HIGHLANDS RANCH, CO 80129-6512 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,309.00 (+44.96%) | $139,874 (+102.8%) Land $39,174 Building $100,700 | $139,874 (+102.8%) Land $39,174 Building $100,700 |
| 2023 | $903.00 (+16.52%) | $68,973 (+8.22%) Land $25,535 Building $43,438 | $68,973 (+8.22%) Land $25,535 Building $43,438 |
| 2022 | $775.00 | $63,735 Land $23,309 Building $40,426 | $63,735 Land $23,309 Building $40,426 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures