2601 E 39th St, Panama City, FL 32405 Property Records

Bay County property record for 2601 E 39th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,200 sqft · built 1980
Lot Size	0.505 acres (21,998 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Aug 2018)
Tax Bill	$1,861 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11545-074-000`

Property Details

APN / Parcel Number

Primary APN	`11545-074-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,200 sqft Heated Area
Gross Area	3,086 sqft
1st Floor Area	2,200 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	440 sqft

Exterior Amenities

Pool Area	722 sqft
Porch	Porch
Porch Area	446 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2601 E 39TH ST
City	PANAMA CITY
State	FL
Zip	32405-6620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	15 3S 14W -13.27- 103A ST AND BAY DEV CO PLAT BEG 250.57' N & 438.72' 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

Owner

2601 E 39th St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2601 E 39TH ST, PANAMA CITY, FL 32405-6620
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
Apr 16, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Aug 20, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2018 · Amount on File
Deed Sale	Aug 20, 2018 · Amount on File
Deed Document Number	2018049873
Deed Book / Page	4039 / 1517
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2601 E 39TH ST, PANAMA CITY, FL 32405-6620
Document Number	0042441677
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 E 39TH ST PANAMA CITY FL 324056620, PANAMA CITY, FL 32405-6620

Mortgage

Document Number	0042441677
Date	Apr 21, 2020
Book Page	004244/001677
Instrument	27217

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 20, 2018
Property Address	2601 E 39TH ST, PANAMA CITY, FL 32405-6620
Document Number	0040391517
Book / Page	004039 / 001517
Instrument Date	Aug 15, 2018
Instrument	49873
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	SETCO SERVICES LLC-PANAMA CITY BANK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6510 LAKE SUZZANNE CIR PANAMA CITY FL 324044099, PANAMA CITY, FL 32404-4099

Mortgage

Document Number	40391519
Date	Aug 20, 2018
Book Page	004039/001519
Instrument	49874

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2601 E 39th St was $1,861 with a homeowner's exemption.

Source: Bay County assessment roll, as of July 1, 2025

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	$1,861.00 Homeowner's exemption	$190,029	$270,815 Land $61,367 Building $209,448
2023	$1,796.00 (+11.55%) Homeowner's exemption	$179,294 (+3%)	$239,053 (+9.42%) Land $40,003 Building $199,050
2022	$1,610.00 Homeowner's exemption	$174,072	$218,463 Land $36,515 Building $181,948

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

Flood

FEMA maps place 2601 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	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 2601 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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