2540 E 39th St, Panama City, FL 32405 Property Records

Bay County property record for 2540 E 39th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,726 sqft · built 2019
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (Sep 2019)
Tax Bill	$91 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11849-985-040`

Property Details

APN / Parcel Number

Primary APN	`11849-985-040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,726 sqft Heated Area
Gross Area	2,206 sqft
1st Floor Area	1,726 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,752 sqft (0.155 acres)
Lot Dimensions	106 ft deep x 64 ft wide
Driveway	Driveway
Driveway Area	700 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2540 E 39TH ST
City	PANAMA CITY
State	FL
Zip	32405-6634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINES OF LYNN HAVEN LOT 40 ORB 4167 P 795
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	PINES OF LYNN HAVEN
Legal Lot Number	40
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2063
Census Tract	1301

Owner

2540 E 39th St is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2540 E 39TH ST, PANAMA CITY, FL 32405-6634
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Sep 12, 2019	Warranty Deed, Transfer · VA Mortgage REGIONS BANK
Sep 28, 2018	Grant Deed, Transfer
May 1, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on File
Deed Sale	Sep 12, 2019 · Amount on File
Deed Document Number	2019081165
Deed Book / Page	4167 / 0795
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2540 E 39TH ST, PANAMA CITY, FL 32405-6634
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043812263
Date	Mar 26, 2021
Book Page	4381/2263
Instrument	2021022060

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 12, 2019
Property Address	2540 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0041670795
Book / Page	4167 / 0795
Map Reference	MB 24 PG 18
Instrument Date	Sep 11, 2019
Instrument	2019081165
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11300 VEAL RD, 11300, PANAMA CITY, FL 32404-6195

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 E 39TH ST, PANAMA CITY, FL 32405-6634

Mortgage

Document Number	0004167797
Date	Sep 12, 2019
Instrument	4167/797

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Sep 28, 2018
Property Address	2540 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0040520007
Book / Page	004052 / 000007
Instrument Date	Sep 24, 2018
Instrument	58424
Transaction Type	Transfer
Record Updated	Nov 9, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11300 VEAL RD PANAMA CITY FL 324046195, PANAMA CITY, FL 32404-6195

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 1, 2018
Property Address	2540 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0040031794
Book / Page	004003 / 001794
Instrument Date	Apr 30, 2018
Instrument	25609
Transaction Type	Transfer
Record Updated	May 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$476.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2023 THOMAS DR PANAMA CITY BEACH FL 324085813, PANAMA CITY BEACH, FL 32408-5813

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Lynn Haven City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$266,598	$304,988 Land $64,380 Building $240,608
2024	$91.00 (-97.15%)
2023	$3,196.00 (+9.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$251,539 (+3%)	$272,356 (+9.63%) Land $51,527 Building $220,829
2022	$2,908.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$244,213	$248,421 Land $44,912 Building $203,509

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

Flood

FEMA maps place 2540 E 39th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	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

Wildfire risk around 2540 E 39th St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025

Provider	Max 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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