Bay County property record for 2545 E 39th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,576 sqft · built 1987 |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $283,500 (Aug 2021) |
| Tax Bill | $2,735 (2025) |
| Deeds & Mortgages | Sep 2021 Transfer Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11545-073-000 |
| Primary APN | 11545-073-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,576 sqft Heated Area |
| Gross Area | 2,192 sqft |
| 1st Floor Area | 1,576 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 21,998 sqft (0.505 acres) |
| Lot Dimensions | 220 ft deep x 100 ft wide |
| Garage Area | 506 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 110 sqft |
| Patio Area | 60 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2545 E 39TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 15 3S 14W -13.26- 103A ST AND BAY DEV CO PLAT BEG 250.57' N & 538.72' W OF |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 15 |
| Legal Subdivision | ST AND BAY DEV CO |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2070 |
| Census Tract | 1301 |
2545 E 39th St is owned and occupied by an individual who bought it in August 2021.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2545 E 39TH ST, PANAMA CITY, FL 32405-6619 |
| 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.
| Date | Document |
|---|---|
| Sep 23, 2021 | Correction Deed SETCO SERVICES LLC |
| Aug 2, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2021 · Amount on File |
| Deed Sale | Aug 2, 2021 · Amount on File |
| Prior Sale | Jul 31, 2013 · Amount on File |
| Deed Document Number | 2021059123 |
| Deed Book / Page | 4442 / 20 |
| Record Updated | Jun 8, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 23, 2021 |
| Property Address | 2545 E 39TH ST, PANAMA CITY, FL 32405-6619 |
| Document Number | 0044631786 |
| Book / Page | 4463 / 1786 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 2021072567 |
| Record Updated | Feb 7, 2023 |
| Title Company | SETCO SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 152 BYRD DR, PANAMA CITY, FL 32404-5985 |
| Name | Verified Name |
|---|---|
| Address | 2545 E 39TH ST, PANAMA CITY, FL 32405-6619 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 2, 2021 |
| Property Address | 2545 E 39TH ST, PANAMA CITY, FL 32405-6619 |
| Document Number | 0044420020 |
| Book / Page | 4442 / 20 |
| Instrument Date | Jul 28, 2021 |
| Instrument | 2021059123 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,984.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8120 MARCIA RD, 8120, PANAMA CITY, FL 32409-1945 |
| Name | Verified Name |
|---|---|
| Address | 9999 KEIFER VALLEY ST, LAS VEGAS, NV 89178-4823 |
| Document Number | 444222 |
|---|---|
| Date | Aug 2, 2021 |
| Instrument | 4442/22 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 2545 E 39th St was $2,735 with a homeowner's exemption.
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 | $2,735.00 Homeowner's exemption | $260,694 | $289,963 Land $61,367 Building $228,596 |
| 2023 | $2,631.00 (+11.62%) Homeowner's exemption | $245,968 (+3%) | $258,997 (+8.46%) Land $40,003 Building $218,994 |
| 2022 | $2,357.00 Homeowner's exemption | $238,804 Land $36,515 Building $202,289 | $238,804 Land $36,515 Building $202,289 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2545 E 39th St in Zone X, an area of minimal flood risk, within 500 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 500 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 |
|
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 risk around 2545 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 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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