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2534 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2534 E 37th St, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,263 sqft · built 1988
Lot Size0.275 acres (11,979 sqft)
Owner2 Individual Names on Record
Last Sale$250,000 (Dec 2024)
Tax Bill$2,096 (2025)
Deeds & MortgagesJan 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN11828-055-000

Property Details

APN / Parcel Number

Primary APN11828-055-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,263 sqft Living Area
Gross Area1,763 sqft
1st Floor Area1,263 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1993
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area11,979 sqft (0.275 acres)
Lot Dimensions150 ft deep x 80 ft wide
Garage TypeAttached
Garage Area500 sqft
DrivewayDriveway
Driveway Area900 sqft
PorchScreened/Unfinished Porch
Porch Area557 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2534 E 37TH ST
CityPANAMA CITY
StateFL
Zip32405-6621
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBC15
Legal Description22 3S 14W -5.35- 103D1 ST AND BAY DEV CO PLAT BEG 25 S & 160 W OF NE COR LOT 34 TH W 80 S 150 E 80 N 150 TO POB ORB 3579 P 851
Legal Range14W
Legal Township03S
Legal Section22
Legal SubdivisionST AND BAY DEV CO PLAT
Legal Lot Number34
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2062
Census Tract1301

Owner

Source: Bay County records, as of February 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2534 E 37TH ST, PANAMA CITY, FL 32405-6621
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 3, 2024 · Amount on Record
Deed SaleDec 3, 2024 · Amount on Record
Prior SaleJun 7, 2004 · Amount on Record
Deed Document Number202470440
Deed Book / Page4864 / 2329
Prior Transfer DateJan 17, 2014
Prior Transfer Doc0035790851
Record UpdatedJun 8, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address2534 E 37TH ST, PANAMA CITY, FL 32405-6621
Transaction TypeMortgage
Record UpdatedFeb 11, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2534 E 37TH ST, PANAMA CITY, FL 32405-6621
InvestorPossibly a Property Investor

Mortgage

Document Number0049930076
DateJan 16, 2026
Book Page4993/76
Instrument2026002886
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2056

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,096.00 (+19.7%) Homeowner's exemption$209,072 (+62.65%) Land $38,800 Building $170,272$209,072 (+62.65%) Land $38,800 Building $170,272
2024$1,751.00 (+7.95%)
2023$1,622.00 (+20.24%)$128,542 (+13.35%) Land $33,600 Building $94,942$128,542 (+13.35%) Land $33,600 Building $94,942
2022$1,349.00$113,402 Land $26,640 Building $86,762$113,402 Land $26,640 Building $86,762

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 325 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies325 in force
Nearby Flood Claims60 (1998–2021)
Claims Outside the SFHA27 of 60
Most Recent ClaimAug 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemLYNN HAVEN, CITY OF WATER SYSTEM
serves 23,380 people · EPA ID FL1030435
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionNov 2024
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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