2600 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2600 E 37th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,307 sqft · built 1989
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Last Sale	$285,900 (Jun 2022)
Tax Bill	$2,655 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11828-057-000`

Property Details

APN / Parcel Number

Primary APN	`11828-057-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,307 sqft Living Area
Gross Area	1,747 sqft
1st Floor Area	1,307 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	1,144 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2600 E 37TH ST
City	PANAMA CITY
State	FL
Zip	32405-6641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	22 3S 14W -5.37- 103D1 ST AND BAY DEV CO PLAT BEG 25 S OF NE COR LOT 34 TH W 80 S 150 E 80 N 150 TO POB ORB 4575 P 903
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	34
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2062
Census Tract	1301

Owner

Source: Bay County records, as of October 19, 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	2600 E 37TH ST, PANAMA CITY, FL 32405-6641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Warranty Deed, Transfer · Conventional Mortgage BAYWAY MORTGAGE GROUP
Dec 11, 2020	Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION
Jul 13, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2022 · Amount on Record
Deed Sale	Jun 10, 2022 · Amount on Record
Prior Sale	Dec 11, 2020 · Amount on Record
Deed Document Number	202244073
Deed Book / Page	4575 / 903
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 10, 2022
Property Address	2600 E 37TH ST, PANAMA CITY, FL 32405-6641
Document Number	0045750903
Book / Page	4575 / 903
Instrument Date	Jun 9, 2022
Instrument	2022044073
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,001.30
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1211 W 12TH ST, 1211, PANAMA CITY, FL 32401-2010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 E 37TH ST, PANAMA CITY, FL 32405-6641

Mortgage

Document Number	0004575905
Date	Jun 10, 2022
Instrument	4575/905

Lender

Name	BAYWAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Mortgage

Document Number	0045750918
Date	Jun 10, 2022
Book Page	4575/918
Instrument	2022044075

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 11, 2020
Property Address	2600 E 37TH ST, PANAMA CITY, FL 32405-6641
Document Number	0043362062
Book / Page	4336 / 2062
Instrument Date	Dec 10, 2020
Instrument	2020084138
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 E 37TH ST, 2600, PANAMA CITY, FL 32405-6641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 E 37TH ST, PANAMA CITY, FL 32405-6641

Mortgage

Document Number	0043362064
Date	Dec 11, 2020
Instrument	4336/2064

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 13, 2018
Property Address	2600 E 37TH ST, PANAMA CITY, FL 32405-6641
Document Number	0040271409
Book / Page	004027 / 001409
Instrument Date	Jun 25, 2018
Instrument	41575
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 LEE ROAD 262 OPELIKA FL 32405, OPELIKA, FL 32405

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	$2,655.00 (+1.88%) Homeowner's exemption	$254,222 (+5.99%)	$279,091 (+16.36%) Land $38,800 Building $240,291
2024	$2,606.00 (+2.04%)
2023	$2,554.00 (+12.81%) Homeowner's exemption	$239,861 (+24.52%) Land $33,600 Building $206,261	$239,861 (+24.52%) Land $33,600 Building $206,261
2022	$2,264.00	$192,627 Land $26,640 Building $165,987	$192,627 Land $26,640 Building $165,987

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

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% 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 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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