Bay County property record for 2609 E 37th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,046 sqft · built 1984 |
| Lot Size | 0.251 acres (10,977 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $128,500 (Apr 2010) |
| Tax Bill | $501 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11825-045-000 |
| Primary APN | 11825-045-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,046 sqft Heated Area |
| Gross Area | 1,558 sqft |
| 1st Floor Area | 1,046 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,977 sqft (0.251 acres) |
| Lot Dimensions | 172 ft deep x 64 ft wide |
| Garage Area | 260 sqft |
| Driveway | Driveway |
| Driveway Area | 224 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 100 sqft |
| Patio Area | 152 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2609 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 -2.45- MAP 103D1 ST A B DEV C0 PLAT BEG 25' N & 470.50' W OF SE |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Lot Number | 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 1301 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 2609 E 37TH ST, PANAMA CITY, FL 32405-6622 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2010 · Amount on Record |
| Deed Sale | Apr 30, 2010 · Amount on Record |
| Prior Sale | Jan 8, 2010 · Amount on Record |
| Deed Document Number | 0003236818 |
| Deed Book / Page | 3236 / 818 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $501.00 (+0.8%) Homeowner's exemption | $80,150 (+5.99%) | $107,884 (+15.87%) Land $32,282 Building $75,602 |
| 2023 | $497.00 (+47.92%) Homeowner's exemption | $75,622 (+47.21%) | $93,107 (+70.09%) Land $27,955 Building $65,152 |
| 2022 | $336.00 Homeowner's exemption | $51,369 | $54,741 Land $22,164 Building $32,577 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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.
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 |
| 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.
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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