Bay County property record for 2526 E 40th Ct, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,446 sqft · built 2009 |
| Lot Size | 0.178 acres (7,753 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $32,000 (Nov 2009) |
| Tax Bill | $968 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11547-000-000 |
| Primary APN | 11547-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,446 sqft Living Area |
| 1st Floor Area | 1,446 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| 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 |
| Driveway | Driveway |
| Driveway Area | 768 sqft |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2526 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 -13.2- 103A ST AND BAY DEV CO PLAT BEG 670.8 N & 885 W OF SE COR TH W 55 N 141 E 55 S 141 TO POB ORB 3223 P 1373 |
| 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 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 | 2526 E 40TH CT, PANAMA CITY, FL 32405-6607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2009 · Amount on Record |
| Deed Sale | Nov 9, 2009 · Amount on Record |
| Prior Sale | Aug 7, 2009 · Amount on Record |
| Deed Document Number | 200963604 |
| Deed Book / Page | 3197 / 1554 |
| Prior Transfer Date | Sep 18, 2007 |
| Prior Transfer Doc | 0029761420 |
| Record Updated | Jun 8, 2026 |
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 | $968.00 (-0.1%) Homeowner's exemption | $117,872 (+5.99%) | $136,000 (+11.37%) Land $30,346 Building $105,654 |
| 2024 | $969.00 (+2.76%) | ||
| 2023 | $943.00 (+11.33%) Homeowner's exemption | $111,214 (+3%) | $122,114 (+9.14%) Land $19,781 Building $102,333 |
| 2022 | $847.00 Homeowner's exemption | $107,975 | $111,889 Land $18,056 Building $93,833 |
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 |
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