2605 E 37th St, Panama City, FL 32405 Property Records

Bay County property record for 2605 E 37th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,246 sqft · built 1985
Lot Size	0.252 acres (10,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,800 (Apr 2022)
Tax Bill	$3,414 (2025)
Deeds & Mortgages	Apr 2022 Transfer Apr 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11825-046-000`

Property Details

APN / Parcel Number

Primary APN	`11825-046-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,246 sqft Living Area
Gross Area	1,532 sqft
1st Floor Area	722 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gambrel
Roof Material	Other
Lot Area	10,977 sqft (0.252 acres)
Lot Dimensions	172 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	286 sqft
Driveway	Driveway
Driveway Area	297 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2605 E 37TH ST
City	PANAMA CITY
State	FL
Zip	32405-6622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	22 3S 14W -2.46- MAP 103D1 ST A B DEV CO PLAT BEG 25 N & 534.50 W OF SE COR OF NE1/4 OF NE1/4 TH W 64 N 172 E 64 S 172 TO POB AKA LOT 14 ORB 4556 P 397
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	ST A B DEV CO PLAT
Legal Lot Number	14
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 January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2605 E 37TH ST, PANAMA CITY, FL 32405-6622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Correction Deed FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES
Apr 27, 2022	Correction Deed FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES
Apr 27, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 8, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 26, 2019	Warranty Deed, Transfer FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2022 · Amount on Record
Deed Sale	Apr 27, 2022 · Amount on Record
Prior Sale	Mar 26, 2019 · Amount on Record
Deed Document Number	202231557
Deed Book / Page	4556 / 397
Prior Transfer Date	Apr 22, 2022
Prior Transfer Doc	0045560395
Record Updated	Sep 20, 2026

April 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	BAY FL
Recording Date	Apr 27, 2022
Property Address	2605 E 37TH ST, PANAMA CITY, FL 32405-6622
Document Number	0045560395
Book / Page	4556 / 395
Instrument Date	Apr 22, 2022
Instrument	2022031556
Record Updated	May 25, 2022
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4008 BROOK STONE DR, 4008, PANAMA CITY, FL 32405-6755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 W 23RD ST, PANAMA CITY, FL 32405-4508

April 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	BAY FL
Recording Date	Apr 27, 2022
Property Address	2605 E 37TH ST, PANAMA CITY, FL 32405-6622
Document Number	0045560393
Book / Page	4556 / 393
Instrument Date	Apr 22, 2022
Instrument	2022031555
Record Updated	May 25, 2022
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 W 23RD ST, 424, PANAMA CITY, FL 32405-4508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4008 BROOK STONE DR, PANAMA CITY, FL 32405-6755

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 27, 2022
Property Address	2605 E 37TH ST, PANAMA CITY, FL 32405-6622
Document Number	0045560397
Book / Page	4556 / 397
Instrument Date	Apr 22, 2022
Instrument	2022031557
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,958.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 W 23RD ST, 424, PANAMA CITY, FL 32405-4508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 E 37TH ST, PANAMA CITY, FL 32405-6622

Mortgage

Document Number	0004556399
Date	Apr 27, 2022
Instrument	4556/399

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Nov 8, 2021
Property Address	2605 E 37TH ST, PANAMA CITY, FL 32405-6622
Document Number	0044831723
Book / Page	4483 / 1723
Instrument Date	Nov 8, 2021
Instrument	2021085347
Transaction Type	Transfer
Record Updated	Nov 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4008 BROOK STONE DR, 4008, PANAMA CITY, FL 32405-6755

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 21, 2020
Property Address	2605 E 37TH ST, PANAMA CITY, FL 32405-6622
Document Number	0042761786
Book / Page	004276 / 001786
Instrument Date	Jul 16, 2020
Instrument	47378
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4008 BROOK STONE DR PANAMA CITY FL 324056755, PANAMA CITY, FL 32405-6755

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 26, 2019
Property Address	2605 E 37TH ST, PANAMA CITY, FL 32405-6622
Document Number	0041050264
Book / Page	004105 / 000264
Instrument Date	Mar 19, 2019
Instrument	31403
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 LANDING CIR LYNN HAVEN FL 32444, LYNN HAVEN, FL 32444

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	$3,414.00 (+4.98%)	$275,914 (+16.24%) Land $32,282 Building $243,632	$275,914 (+16.24%) Land $32,282 Building $243,632
2024	$3,252.00 (+7.97%)
2023	$3,012.00 (+195.58%)	$237,364 (+179.85%) Land $27,955 Building $209,409	$237,364 (+179.85%) Land $27,955 Building $209,409
2022	$1,019.00	$84,818 Land $22,164 Building $62,654	$84,818 Land $22,164 Building $62,654

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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