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2537 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2537 E 37th St, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,404 sqft · built 1984
Lot Size0.251 acres (10,977 sqft)
OwnerCompany Name on Record
Last Sale$220,000 (Apr 2023)
Tax Bill$2,475 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11825-050-000

Property Details

APN / Parcel Number

Primary APN11825-050-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,404 sqft Heated Area
Gross Area1,920 sqft
1st Floor Area1,118 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2004
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area10,977 sqft (0.251 acres)
Lot Dimensions172 ft deep x 64 ft wide
DrivewayDriveway
Driveway Area1,134 sqft

Exterior Amenities

PorchPorch
Porch Area586 sqft
Patio Area216 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2537 E 37TH ST
CityPANAMA CITY
StateFL
Zip32405-6601
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBC15
Legal Description22 3S 14W -2.49- MAP 103D1 ST A B DEV CO PLAT BEG 25' N & 726.50' W OF SE
Legal Range14W
Legal Township03S
Legal Section22
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2062
Census Tract1301

Owner

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

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

Owner of RecordCompany Name on Record
Mailing Address2537 E 37TH ST, PANAMA CITY, FL 32405-6601
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 4, 2023 · Amount on Record
Deed SaleApr 4, 2023 · Amount on Record
Prior SaleNov 19, 2008 · Amount on Record
Deed Document Number2023020631
Deed Book / Page4675 / 508
Record UpdatedJun 8, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 4, 2023
Property Address2537 E 37TH ST, PANAMA CITY, FL 32405-6601
Document Number0046750508
Book / Page4675 / 508
Instrument DateApr 3, 2023
Instrument2023020631
Transaction TypeTransfer
Record UpdatedApr 25, 2023
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address509 N OAKLAND AVE, MOUNTAIN GROVE, MO 65711-1354

Transferred To (Grantee/Buyer)

NameVerified Name
Address2537 E 37TH ST, PANAMA CITY, FL 32405-6601

Mortgage

Document Number0004675510
DateApr 4, 2023
Instrument4675/510
Lender
NameHOME LOAN CAPITAL
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,475.00 (+69.99%)$200,059 (+56.4%) Land $32,282 Building $167,777$200,059 (+56.4%) Land $32,282 Building $167,777
2023$1,456.00 (+16.29%)$127,916 (+9.34%) Land $27,955 Building $99,961$127,916 (+9.34%) Land $27,955 Building $99,961
2022$1,252.00$116,993 Land $22,164 Building $94,829$116,993 Land $22,164 Building $94,829

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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