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2622 E 40th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2622 E 40th Ct, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,758 sqft · built 2021
Lot Size0.485 acres (21,127 sqft)
OwnerIndividual Name on File
Last Sale$184,000 (Jun 2018)
Tax Bill$2,919 (2025)
Deeds & MortgagesFeb 2019 Mortgage
Jun 2019 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN11545-011-000

Property Details

APN / Parcel Number

Primary APN11545-011-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,758 sqft Heated Area
Gross Area2,299 sqft
1st Floor Area1,880 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2021
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area21,127 sqft (0.485 acres)
Lot Dimensions141 ft deep x 150 ft wide
Garage Area480 sqft
PorchPorch
Porch Area226 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2622 E 40TH CT
CityPANAMA CITY
StateFL
Zip32405-6608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBC15
Legal Description15 3S 14W -13.9- 103A ST AND BAY DEV CO PLAT BEG 670.8' N & 255' W OF SE
Legal Range14W
Legal Township03S
Legal Section15
Legal SubdivisionST AND BAY DEV CO
Legal Lot Number112
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2071
Census Tract1301

Owner

2622 E 40th Ct is owned and occupied by an individual who bought it in June 2018.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address2622 E 40TH CT, PANAMA CITY, FL 32405-6608
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Feb 5, 2019Deed of Trust, Mortgage · SBA Mortgage
UNITED STATES SMALL BUSINESS ADMIN
Jun 24, 2019Loan Modification, Mortgage · Conventional Mortgage
US SMALL BUSINESS ADMINISTRATI
Jun 29, 2018Warranty Deed, Transfer · VA Mortgage
CITYWORTH MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 29, 2018 · Amount on File
Deed SaleJun 29, 2018 · Amount on File
Prior SaleJun 19, 2007 · Amount on File
Deed Document Number2018038590
Deed Book / Page4022 / 1907
Record UpdatedJun 8, 2026

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address2622 E 40TH CT, PANAMA CITY, FL 32405-6608
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040870522
DateFeb 5, 2019
Book Page4087/0522
Instrument2019013989
Lender
NameUNITED STATES SMALL BUSINESS ADMIN
TypeGovernment Agency
AddressBIRMINGHAM, AL 35203
Agreement
TypeSBA Mortgage
AmountAmount on Record
Term358 Months
DueDec 6, 2048

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address2622 E 40TH CT, PANAMA CITY, FL 32405-6608
Document Number0041370877
Instrument DateJun 24, 2019
Transaction TypeMortgage
Record UpdatedJul 15, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2622 E 40TH CT PANAMA CITY FL 324056608, PANAMA CITY, FL 32405-6608

Mortgage

Document Number0041370877
DateJun 24, 2019
Book Page004137/000877
Instrument58235
Lender
NameUS SMALL BUSINESS ADMINISTRATI
AddressBIRMINGHAM, AL 35203
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 23, 2049

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 29, 2018
Property Address2622 E 40TH CT, PANAMA CITY, FL 32405-6608
Document Number0040221907
Book / Page4022 / 1907
Instrument DateJun 27, 2018
Instrument2018038590
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyCLA TITLE &ESCROW

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address2622 E 40TH CT, PANAMA CITY, FL 32405-6608

Mortgage

Document Number2018038591
DateJun 29, 2018
Instrument2018038591
Lender
NameCITYWORTH MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2622 E 40th Ct was $2,919 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,919.00 Homeowner's exemption$275,533$297,097 Land $82,761 Building $214,336
2023$2,806.00 (+0.86%) Homeowner's exemption$259,969 (+9.45%) Land $53,949 Building $206,020$259,969 (+9.45%) Land $53,949 Building $206,020
2022$2,782.00$237,514 Land $49,245 Building $188,269$237,514 Land $49,245 Building $188,269

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

Flood

FEMA maps place 2622 E 40th Ct in Zone X, an area of minimal flood risk, though there have been 60 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 325 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies325 in force
Nearby Flood Claims60 (1998–2021)
Claims Outside the SFHA27 of 60
Most Recent ClaimAug 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 2622 E 40th Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemLYNN HAVEN, CITY OF WATER SYSTEM
serves 23,380 people · EPA ID FL1030435
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionNov 2024
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 281 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20

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