2544 E 40th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2544 E 40th Ct, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,523 sqft · built 1979
Lot Size	0.501 acres (21,823 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (May 2005)
Tax Bill	$1,377 (2025)
Deeds & Mortgages	Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`11547-030-000`

Property Details

APN / Parcel Number

Primary APN	`11547-030-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,523 sqft Living Area
Gross Area	2,883 sqft
1st Floor Area	2,145 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	21,823 sqft (0.501 acres)
Lot Dimensions	141 ft deep x 155 ft wide
Garage Type	Attached
Garage Area	360 sqft
Driveway	Driveway
Driveway Area	600 sqft
Porch	Florida Room
Porch Area	522 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2544 E 40TH CT
City	PANAMA CITY
State	FL
Zip	32405-6607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	15 3S 14W -13.5- 103A ST AND BAY DEV CO PLAT BEG 670.8 N & 555 W OF SE COR TH W 155 N 141 E 155 S 141 TO POB ORB 64620 P 1212
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	ST AND BAY DEV CO PLAT
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2071
Census Tract	1301

Owner

Source: Bay County records, as of March 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2544 E 40TH CT, PANAMA CITY, FL 32405-6607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2005 · Amount on Record
Deed Sale	May 3, 2005 · Amount on Record
Deed Document Number	200533903
Deed Book / Page	2602 / 1009
Last Transfer Date	Dec 17, 2010
Transfer Doc	0032911068
Record Updated	Jun 8, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Oct 13, 2022
Property Address	2544 E 40TH CT, PANAMA CITY, FL 32405-6607
Document Number	0046201212
Book / Page	4620 / 1212
Map Reference	MB 10 PG 43
Instrument Date	Oct 12, 2022
Instrument	2022075229
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2544 E 40TH CT, 2544, PANAMA CITY, FL 32405-6607

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2544 E 40TH CT, PANAMA CITY, FL 32405-6607

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,377.00 (+4.71%) Homeowner's exemption	$150,988 (+9.13%)	$248,975 (+20.5%) Land $85,520 Building $163,455
2024	$1,315.00 (+2.49%)
2023	$1,283.00 (+11.47%) Homeowner's exemption	$138,350 (+3%)	$206,621 (+9.72%) Land $55,747 Building $150,874
2022	$1,151.00 Homeowner's exemption	$134,320	$188,313 Land $50,886 Building $137,427

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 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	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 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.

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 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