2580 E 39th St, Panama City, FL 32405 Property Records

Bay County property record for 2580 E 39th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,586 sqft · built 2017
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$367,000 (Sep 2025)
Tax Bill	$3,944 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11849-985-044`

Property Details

APN / Parcel Number

Primary APN	`11849-985-044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,586 sqft Living Area
Gross Area	1,985 sqft
1st Floor Area	1,586 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	106 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	399 sqft
Driveway	Driveway
Driveway Area	544 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	208 sqft
Patio Area	210 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2580 E 39TH ST
City	PANAMA CITY
State	FL
Zip	32405-6634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UND
Legal Description	PINES OF LYNN HAVEN LOT 44 ORB 4620 P 2072
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	PINES OF LYNN HAVEN
Legal Lot Number	44
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2063
Census Tract	1301

Owner

2580 E 39th St is owned by an individual who bought it in September 2025.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	6869 ROSE HILL RD, PORT TOBACCO, MD 20677-3408
Owner Type	Individual
Vesting	Unmarried Woman

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
Sep 22, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 14, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK
Mar 27, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage RESMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on File
Deed Sale	Sep 22, 2025 · Amount on File
Prior Sale	Oct 14, 2022 · Amount on File
Deed Document Number	202554786
Deed Book / Page	4955 / 876
Prior Transfer Date	Jan 27, 2021
Prior Transfer Doc	0043902023
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 22, 2025
Property Address	2580 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0049550876
Book / Page	4955 / 876
Map Reference	MB 24 PG 18
Instrument Date	Sep 22, 2025
Instrument	2025054786
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATL TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,569.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19323 MARCY PLZ, ELKHORN, NE 68022-5828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6869 ROSE IIIII ROAD, PORT TOBACCO, MD 20677

Mortgage

Document Number	0004955879
Date	Sep 22, 2025
Instrument	4955/879

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 14, 2022
Property Address	2580 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0046202072
Book / Page	4620 / 2072
Map Reference	MB 24 PG 18
Instrument Date	Oct 3, 2022
Instrument	2022075517
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1417 DISCOVERY LOOP N, 1417, PANAMA CITY, FL 32405-2953

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2580 E 39TH ST, PANAMA CITY, FL 32405-6634

Mortgage

Document Number	0046202074
Date	Oct 14, 2022
Instrument	4620/2074

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Apr 14, 2021
Property Address	2580 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0043902023
Book / Page	4390 / 2023
Map Reference	MB 24 PG 18
Instrument Date	Jan 27, 2021
Instrument	2021027362
Transaction Type	Transfer
Record Updated	May 18, 2021
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2580 E 39TH ST, PANAMA CITY, FL 32405-6634

Mortgage

Document Number	43902026
Date	Apr 14, 2021
Instrument	4390/2026

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 27, 2017
Property Address	2580 E 39TH ST, PANAMA CITY, FL 32405-6634
Document Number	0038850963
Book / Page	003885 / 000963
Instrument Date	Mar 24, 2017
Instrument	16381
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 4, 2019
Title Company	OMEGA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2580 39TH ST LYNN HAVEN FL 32444, LYNN HAVEN, FL 32444

Mortgage

Document Number	38850964
Date	Mar 27, 2017
Book Page	003885/000964
Instrument	16382

Lender

Name	RESMAC
Address	BOCA RATON, FL 33487

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2580 E 39th St was $3,944, down 7.1% from the year before.

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

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	$3,944.00 (-7.09%) Homeowner's exemption	$303,804 (-4.39%) Land $56,332 Building $247,472	$303,804 (-6.58%) Land $56,332 Building $247,472
2024	$4,245.00 (+2.69%) Homeowner's exemption	$317,750 (+3%)	$325,188 (+5.41%) Land $52,678 Building $272,510
2023	$4,134.00 (+75.1%) Homeowner's exemption	$308,495 (+53.59%) Land $45,066 Building $263,429	$308,495 (+22.32%) Land $45,066 Building $263,429
2022	$2,361.00 Homeowner's exemption	$200,862	$252,208 Land $39,280 Building $212,928

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

Flood

FEMA maps place 2580 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 2580 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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