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2543 E 40th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2543 E 40th Ct, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,154 sqft · built 1975
Lot Size0.482 acres (20,996 sqft)
OwnerIndividual Name on Record
Last Sale$299,999 (Dec 2021)
Tax Bill$2,960 (2025)
Deeds & MortgagesDec 2021 Sale & Mortgage
Feb 2021 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN11547-061-000

Property Details

APN / Parcel Number

Primary APN11547-061-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,154 sqft Heated Area
Gross Area2,899 sqft
1st Floor Area2,154 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area20,996 sqft (0.482 acres)
Lot Dimensions140 ft deep x 150 ft wide
Garage Area720 sqft
DrivewayDriveway
Driveway Area248 sqft

Exterior Amenities

PorchPorch
Porch Area25 sqft
Deck Area144 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2543 E 40TH CT
CityPANAMA CITY
StateFL
Zip32405-6606
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBC15
Legal Description15 3S 14W -13.12- 103A COMM SE 670 N & 1266' W & N 473 ALG E R/W SR RD 389 E 357.52'
Legal Range14W
Legal Township03S
Legal Section15
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2067
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 RecordIndividual Name on Record
Mailing Address2543 E 40TH CT, PANAMA CITY, FL 32405-6606
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 13, 2021Warranty Deed, Transfer · VA Mortgage
BROKER SOLUTIONS INC
Feb 24, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Dec 9, 2020Grant Deed, Transfer
ATTORNEY ONLY
May 31, 2018Trustee's Deed, Construction Loan · Construction Mortgage
MINI MITCH INC
Aug 9, 2017Deed of Trust, Mortgage · Conventional Mortgage
JAMES W MAULDEN

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 13, 2021 · Amount on Record
Deed SaleDec 13, 2021 · Amount on Record
Prior SaleFeb 24, 2021 · Amount on Record
Deed Document Number2021093974
Deed Book / Page4497 / 1671
Record UpdatedJun 8, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 13, 2021
Property Address2543 E 40TH CT, PANAMA CITY, FL 32405-6606
Document Number0044971671
Book / Page4497 / 1671
Instrument DateDec 10, 2021
Instrument2021093974
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address406 LIVERPOOL AVE, 406, PANAMA CITY BEACH, FL 32407-3290

Transferred To (Grantee/Buyer)

NameVerified Name
Address2543 E 40TH CT, PANAMA CITY, FL 32405-6606

Mortgage

Document Number0044971673
DateDec 13, 2021
Instrument4497/1673
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateFeb 24, 2021
Property Address2543 E 40TH CT, PANAMA CITY, FL 32405-6606
Document Number0043671178
Book / Page4367 / 1178
Instrument DateFeb 22, 2021
Instrument2021013176
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$700.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 LIVERPOOL AVE, PANAMA CITY BEACH, FL 32407-3290

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateDec 9, 2020
Property Address2543 E 40TH CT, PANAMA CITY, FL 32405-6606
Document Number0043351651
Book / Page004335 / 001651
Instrument DateDec 9, 2020
Instrument83505
Transaction TypeTransfer
Record UpdatedJan 8, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$504.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9108 FRONT BEACH RD PANAMA CITY BEACH FL 324074030, PANAMA CITY BEACH, FL 32407-4030

May 2018: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionBAY FL
Recording DateMay 31, 2018
Property Address2543 E 40TH CT, PANAMA CITY, FL 32405-6606
Document Number0040130451
Book / Page004013 / 000451
Instrument DateMay 30, 2018
Instrument31880
Transaction TypeConstruction Loan
Record UpdatedJun 20, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address2543 E 40TH CT PANAMA CITY FL 324056606, PANAMA CITY, FL 32405-6606

Mortgage

Document Number40130451
DateMay 31, 2018
Book Page004013/000451
Instrument31880
Lender
NameMINI MITCH INC
Address9108 FRONT BEACH RD, PANAMA CITY BEACH, FL 32407-4030
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueMay 30, 2019

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address2543 E 40TH CT, PANAMA CITY, FL 32405-6606
Document Number0039260405
Book / Page003926 / 000405
Instrument DateAug 9, 2017
Transaction TypeMortgage
Record UpdatedSep 1, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address2543 E 40TH CT PANAMA CITY FL 324056606, PANAMA CITY, FL 32405-6606

Mortgage

Document Number0039260405
DateAug 9, 2017
Book Page003926/000405
Instrument45286
Lender
NameJAMES W MAULDEN
AddressPANAMA CITY, FL 32409
Agreement
TypeConventional Mortgage
AmountAmount Recorded

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$2,960.00 (+2%) Homeowner's exemption$278,921 (+2.9%)$323,502 (+4.08%) Land $82,761 Building $240,741
2024$2,902.00 (+1.97%) Homeowner's exemption$271,060 (+3%)$310,806 (+10.45%) Land $73,500 Building $237,306
2023$2,846.00 (+11.61%) Homeowner's exemption$263,165 (+3%)$281,402 (+10.14%) Land $53,949 Building $227,453
2022$2,550.00 Homeowner's exemption$255,500 Land $49,245 Building $206,255$255,500 Land $49,245 Building $206,255

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 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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