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2534 E 40th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2534 E 40th Ct, Panama City, FL 32405

Property Summary

Property TypeResidential Vacant Land
Details3 bd · 2 ba
Lot Size0.281 acres (12,240 sqft)
OwnerCompany Name on Record
Last Sale$69,000 (Mar 2022)
Tax Bill$596 (2025)
Deeds & MortgagesMar 2023 Sale
Mar 2022 Sale
Flood ZoneZone X (minimal risk)
APN11546-000-000

Property Details

APN / Parcel Number

Primary APN11546-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths

Exterior

Lot Area12,240 sqft (0.281 acres)
Lot Dimensions141 ft deep x 87 ft wide

Location & Zoning

Street Address2534 E 40TH CT
CityPANAMA CITY
StateFL
Zip32405-6607
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeBC15
Legal Description15 3S 14W -13.1- 103A ST AND BAY DEV CO PLAT COMM AT SE COR TH N 670.80 W 710 FOR POB THE CONT W 87.50 N 141 E 87.10 S 141 TO POB ORB 4666 P 1099
Legal Range14W
Legal Township03S
Legal Section15
Legal SubdivisionST AND BAY DEV CO PLAT
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2071
Census Tract1301

Owner

Source: Bay County records, as of April 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing Address13395 VOYAGER PKWY, 130, COLORADO SPRINGS, CO 80921-7677
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2023Warranty Deed, Transfer
CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC
Mar 17, 2022Personal Representative Deed, Transfer
CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 17, 2022 · Amount on Record
Deed SaleMar 17, 2022 · Amount on Record
Deed Document Number202220128
Deed Book / Page4538 / 1275
Record UpdatedJun 8, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 13, 2023
Property Address2534 E 40TH CT, PANAMA CITY, FL 32405-6607
Document Number0046661099
Book / Page4666 / 1099
Instrument DateMar 10, 2023
Instrument2023014730
Transaction TypeTransfer
Record UpdatedApr 4, 2023
Title CompanyCLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
Tax$588.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1750 FRANKFORD AVEC, PANAMA CITY, FL 32405

Transferred To (Grantee/Buyer)

NameVerified Name
Address13395 VOYAGER PKWY STE 130, 130, COLORADO SPRINGS, CO 80921-7677

March 2022: Personal Representative Deed, Transfer

Document TypePersonal Representative Deed
JurisdictionBAY FL
Recording DateMar 17, 2022
Property Address2534 E 40TH CT, PANAMA CITY, FL 32405-6607
Document Number0045381275
Book / Page4538 / 1275
Instrument DateMar 17, 2022
Instrument2022020128
Transaction TypeTransfer
Record UpdatedFeb 7, 2023
Title CompanyCLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
Tax$483.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address112 S SAN SOUCI ST, PANAMA CITY BEACH, FL 32413-1918

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 1151, LYNN HAVEN, FL 32444-1151

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$596.00 (+11.19%)$47,791 (+48.91%)$48,824 (+52.13%) Land $48,057 Building $767
2024$536.00 (+33.67%)
2023$401.00 (+18.29%)$32,093 (+9.3%) Land $31,326 Building $767$32,093 (+9.3%) Land $31,326 Building $767
2022$339.00$29,361 Land $28,594 Building $767$29,361 Land $28,594 Building $767

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 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.04% 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 281 locations within half a mile, as of December 31, 2025

ProviderMax 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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