2531 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2531 E 37th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,332 sqft · built 1984
Lot Size	0.251 acres (10,977 sqft)
Owner	Individual Name on File
Last Sale	$246,200 (Sep 2025)
Tax Bill	$760 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11825-051-000`

Property Details

APN / Parcel Number

Primary APN	`11825-051-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,332 sqft Heated Area
Gross Area	1,648 sqft
1st Floor Area	1,020 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	10,977 sqft (0.251 acres)
Lot Dimensions	172 ft deep x 64 ft wide
Garage Type	Carport
Garage Area	286 sqft
Carport	Carport
Driveway	Driveway
Driveway Area	576 sqft
Porch	Porch
Porch Area	222 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2531 E 37TH ST
City	PANAMA CITY
State	FL
Zip	32405-6601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	22 3S 14W -2.51- BEG 25' N & 790.50' W OF SE COR OF NE1/4 OF NE1/4 TH W 64'
Legal Range	14W
Legal Township	03S
Legal Section	22
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2062
Census Tract	1301

Owner

2531 E 37th St is owned and occupied by an individual who bought it in September 2025.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2531 E 37TH ST, PANAMA CITY, FL 32405-6601
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Sep 17, 2025	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2025 · Amount on File
Deed Sale	Sep 17, 2025 · Amount on File
Prior Sale	Jun 24, 2016 · Amount on File
Deed Document Number	2025053948
Deed Book / Page	4954 / 127
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2531 E 37TH ST, PANAMA CITY, FL 32405-6601
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2531 E 37TH ST, PANAMA CITY, FL 32405-6601

Mortgage

Document Number	0047320743
Date	Sep 20, 2023
Book Page	4732/743
Instrument	2023059671

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2033

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 17, 2025
Property Address	2531 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number	0049540127
Book / Page	4954 / 127
Instrument Date	Sep 10, 2025
Instrument	2025053948
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,723.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13213 SPRING FORK LN, PANAMA CITY, FL 32409-3559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2531 E 37TH ST, PANAMA CITY, FL 32405-6601

Mortgage

Document Number	0004954129
Date	Sep 17, 2025
Instrument	4954/129

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.62%
Margin	2
Max Rate	6.62%

Tax Assessment & Valuation

The 2025 property tax bill for 2531 E 37th St was $760 with a homeowner's exemption, down 1% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

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	$760.00 (-1.04%) Homeowner's exemption	$101,127 (+2.9%)	$162,879 (+5.2%) Land $32,282 Building $130,597
2024	$768.00 (+3.09%) Homeowner's exemption	$98,277 (+3%)	$154,832 (+9.13%) Land $31,283 Building $123,549
2023	$745.00 (+11.36%) Homeowner's exemption	$95,415 (+3%)	$141,881 (+12.44%) Land $27,955 Building $113,926
2022	$669.00 Homeowner's exemption	$92,636	$126,187 Land $22,164 Building $104,023

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2531 E 37th St in Zone X, an area of minimal flood risk, though there have been 60 flood claims nearby since 1998.

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 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	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

Wildfire risk around 2531 E 37th St is low, with a 0.01% annual chance of 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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