2560 E 39th St, Panama City, FL 32405 Property Records

Bay County property record for 2560 E 39th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,715 sqft · built 2018
Lot Size	0.146 acres (6,360 sqft)
Owner	Individual Name on File
Last Sale	$331,000 (Jul 2023)
Tax Bill	$3,649 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11849-985-042`

Property Details

APN / Parcel Number

Primary APN	`11849-985-042`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,715 sqft Heated Area
Gross Area	2,343 sqft
1st Floor Area	1,715 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	106 ft deep x 60 ft wide
Garage Area	424 sqft
Driveway	Driveway
Driveway Area	800 sqft
Porch	Porch
Porch Area	204 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2560 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 42 ORB 4709 P 158
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	PINES OF LYNN HAVEN
Legal Lot Number	42
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2063
Census Tract	1301

Owner

2560 E 39th St is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2560 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
Jul 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 29, 2019	Warranty Deed, Transfer · VA Mortgage USAA
May 31, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Sep 25, 2017	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2023 · Amount on File
Deed Sale	Jul 13, 2023 · Amount on File
Prior Sale	Aug 29, 2019 · Amount on File
Deed Document Number	2023043536
Deed Book / Page	4709 / 158
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 13, 2023
Property Address	2560 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0047090158
Book / Page	4709 / 158
Map Reference	MB 24 PG 18
Instrument Date	Jul 11, 2023
Instrument	2023043536
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	ITITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,317.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2560 E 39TH ST, PANAMA CITY, FL 32405-6634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2560 E 39TH ST, PANAMA CITY, FL 32405-6634
Investor	Possibly a Property Investor

Mortgage

Document Number	0004709160
Date	Jul 13, 2023
Instrument	4709/160

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0047090183
Date	Jul 13, 2023
Book Page	4709/183
Instrument	2023043538

Lender

Name	BAY COUNTY BOARD OF COUNTY COMMISSIONERS
Type	Government Agency
Address	PANAMA CITY, FL 32401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 29, 2019
Property Address	2560 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0041620642
Book / Page	004162 / 000642
Instrument Date	Aug 28, 2019
Instrument	77496
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,854.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2560 E 39TH ST PANAMA CITY FL 324056634, PANAMA CITY, FL 32405-6634

Mortgage

Document Number	41620644
Date	Aug 29, 2019
Book Page	004162/000644
Instrument	77497

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-5444

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2049

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 31, 2018
Property Address	2560 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0040131387
Book / Page	4013 / 1387
Map Reference	MB24 PG18-21
Instrument Date	May 31, 2018
Instrument	2018032153
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7600 KINGSWOOD RD, 7600, PANAMA CITY, FL 32409-1841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2560 E 39TH ST, PANAMA CITY, FL 32405-6634

Mortgage

Document Number	2018032154
Date	May 31, 2018
Instrument	2018032154

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 25, 2017
Property Address	2560 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0039391669
Book / Page	3939 / 1669
Map Reference	MB24 PG18-21
Instrument Date	Sep 12, 2017
Instrument	2017054876
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1502 COUNTRY CLUB DR, 1502, LYNN HAVEN, FL 32444-1978

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7600 KINGSWOOD RD, PANAMA CITY, FL 32409-1841

Tax Assessment & Valuation

The 2025 property tax bill for 2560 E 39th St was $3,649 with a homeowner's exemption.

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	$3,649.00 Homeowner's exemption	$284,213	$291,167 Land $48,285 Building $242,882
2023	$4,047.00 (+15.93%)	$257,100 (+9.44%) Land $38,628 Building $218,472	$257,100 (+9.44%) Land $38,628 Building $218,472
2022	$3,491.00	$234,925 Land $33,669 Building $201,256	$234,925 Land $33,669 Building $201,256

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

Flood

FEMA maps place 2560 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 2560 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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