Bay County property record for 2539 E 40th Ct, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,463 sqft · built 1977 |
| Lot Size | 0.562 acres (24,481 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $80,500 (Mar 1999) |
| Tax Bill | $1,034 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit Aug 2018 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11547-062-000 |
| Primary APN | 11547-062-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,463 sqft Heated Area |
| Gross Area | 1,775 sqft |
| 1st Floor Area | 1,463 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 24,481 sqft (0.562 acres) |
| Lot Dimensions | 140 ft deep x 175 ft wide |
| Driveway | Driveway |
| Driveway Area | 320 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2539 E 40TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 15 3S 14W -13.16- 103A COM AT SE COR OF SEC TH N 670.8' W 1266' NLY 473' E |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2067 |
| Census Tract | 1301 |
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 Record | Owner Name on Record |
|---|---|
| Mailing Address | 2539 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Feb 2, 2018 | Deed of Trust, Mortgage · Line of Credit PANHANDLE EDUCATORS FCU |
| Aug 30, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU |
| Jul 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 1999 · Amount on Record |
| Deed Sale | Mar 23, 1999 · Amount on Record |
| Deed Document Number | 0018582281 |
| Deed Book / Page | 1858 / 2281 |
| Last Transfer Date | Mar 24, 1999 |
| Transfer Doc | 0018582281 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2539 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039761230 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 3976/1230 |
| Instrument | 2018006355 |
| Name | PANHANDLE EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32405 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 143 Months |
| Due | Jan 24, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2539 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040431557 |
|---|---|
| Date | Aug 30, 2018 |
| Book Page | 4043/1557 |
| Instrument | 2018052600 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2539 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040312382 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 4031/2382 |
| Instrument | 2018044774 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2539 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2539 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Document Number | 0043272170 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 4327/2170 |
| Instrument | 2020078951 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 97 Months |
| Due | Dec 1, 2028 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,034.00 (+3.71%) Homeowner's exemption | $123,248 (+6.68%) | $199,716 (+24.91%) Land $96,554 Building $103,162 |
| 2023 | $997.00 (+11.4%) Homeowner's exemption | $115,531 (+3%) | $159,893 (+9.66%) Land $62,940 Building $96,953 |
| 2022 | $895.00 Homeowner's exemption | $112,166 | $145,812 Land $57,452 Building $88,360 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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 | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025
| Provider | Max 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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