Bay County property record for 2555 E 40th Ct, Panama City, FL 32405
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.501 acres (21,824 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $40,000 (Oct 2021) |
| Tax Bill | $931 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11547-025-000 |
| Primary APN | 11547-025-000 |
|---|
| Lot Area | 21,824 sqft (0.501 acres) |
|---|---|
| Lot Dimensions | 141 ft deep x 155 ft wide |
| Street Address | 2555 E 40TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6606 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | BC15 |
| Legal Description | 15 3S 14W -13.4A- 103A ST AND BAY DEV CO PLAT COM SE COR OF SEC N 670.8' W |
| Legal Subdivision | ST AND BAY DEV CO |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2555 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2021 · Amount on Record |
| Deed Sale | Oct 5, 2021 · Amount on Record |
| Deed Document Number | 0044691411 |
| Deed Book / Page | 4469 / 1411 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 5, 2021 |
| Property Address | 2555 E 40TH CT, PANAMA CITY, FL 32405-6606 |
| Document Number | 0044691411 |
| Book / Page | 4469 / 1411 |
| Instrument Date | Oct 5, 2021 |
| Instrument | 2021076359 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2610 E 40TH PLZ, PANAMA CITY, FL 32405-6612 |
| Document Number | 0044691413 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 4469/1413 |
| Name | SEAMON HOLDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 5, 2031 |
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 | $931.00 (+33.38%) | $85,520 (+53.41%) Land $85,520 | $85,520 (+53.41%) Land $85,520 |
| 2023 | $698.00 (+18.91%) | $55,747 (+9.55%) Land $55,747 | $55,747 (+9.55%) Land $55,747 |
| 2022 | $587.00 | $50,886 Land $50,886 | $50,886 Land $50,886 |
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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