Bay County property record for 2531 McCormick Rd, Southport, FL 32409
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,521 sqft · built 1984 |
| Lot Size | 2.28 acres (99,578 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Jul 2026) |
| Tax Bill | $1,938 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 07961-010-000 |
| Primary APN | 07961-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,521 sqft Living Area |
| Gross Area | 3,146 sqft |
| 1st Floor Area | 2,521 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 99,578 sqft (2.28 acres) |
| Lot Dimensions | 332 ft deep x 300 ft wide |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 606 sqft |
| Deck Area | Deck Area |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2531 MCCORMICK RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32409-1595 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | 27 2S 14W -43.1- 101A- BEG 1616.52 E & 30 N OF SE COR OF SE1/4 TH N 332.54 E 300 S 333.63 W 300 TO POB ORB 892 P 885 ORB 2249 P 1411 ORB 4048 P 2130 |
| Legal Range | 14W |
| Legal Township | 02S |
| Legal Section | 27 |
| Jurisdiction | BAY FL |
| Township / Civil Division | SOUTHPORT |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 203 |
Source: Bay County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2531 MCCORMICK RD, PANAMA CITY, FL 32409-1595 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jul 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Jan 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| Sep 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2026 · Amount on Record |
| Deed Sale | Jul 27, 2026 · Amount on Record |
| Prior Sale | Sep 18, 2018 · Amount on Record |
| Deed Document Number | 202645243 |
| Deed Book / Page | 5060 / 735 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 27, 2026 |
| Property Address | 2531 MCCORMICK RD, PANAMA CITY, FL 32409-1595 |
| Document Number | 0000045243 |
| Book / Page | 5060 / 735 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202645243 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | CORNERSTONE TITLE GROUP, CORNERSTONE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $307,545.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2531 MCCORMICK RD, PANAMA CITY, FL 32409-1595 |
| Document Number | 0000045244, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 202645244 |
| Name | TRUSTMARK NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2531 MCCORMICK RD, SOUTHPORT, FL 32409-1595 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2531 MCCORMICK RD, PANAMA CITY, FL 32409-1595 |
| Document Number | 0043461198 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 4346/1198 |
| Instrument | 2021000299 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 18, 2018 |
| Property Address | 2531 MCCORMICK RD, SOUTHPORT, FL 32409-1595 |
| Document Number | 0040482130 |
| Book / Page | 4048 / 2130 |
| Instrument Date | Sep 18, 2018 |
| Instrument | 2018056247 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 536 MILLS LN, 536, PANAMA CITY, FL 32404-2622 |
| Name | Verified Name |
|---|---|
| Address | 2531 MCCORMICK RD, PANAMA CITY, FL 32409-1595 |
| Document Number | 2018056248 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 2018056248 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
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 | $1,938.00 (+3.53%) Homeowner's exemption | $193,069 (+5.99%) | $322,808 (+3.33%) Land $62,499 Building $260,309 |
| 2024 | $1,872.00 (+2.18%) | ||
| 2023 | $1,832.00 (+11.57%) Homeowner's exemption | $182,163 (+3%) | $312,411 (+8.21%) Land $62,499 Building $249,912 |
| 2022 | $1,642.00 Homeowner's exemption | $176,857 | $288,702 Land $58,293 Building $230,409 |
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.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 326 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 389 units insured incl. 63 condo units |
| Nearby Flood Claims | 20 (1995–2021) |
| Claims Outside the SFHA | 2 of 20 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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 | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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