2630 E 11th St, Panama City, FL 32401 Property Records

Bay County property record for 2630 E 11th St, Panama City, FL 32401

Property Summary

Property Type	Retail Store
Details	2,562 sqft · built 1987
Lot Size	1.02 acres (44,518 sqft)
Owner	Company Name on File
Last Sale	$1,775,000 (Dec 2023)
Tax Bill	$4,258 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2023 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`15890-010-000`

Property Details

APN / Parcel Number

Primary APN	`15890-010-000`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,562 sqft Gross Area
1st Floor Area	2,562 sqft
Flooring	Wood
Interior Walls	Plywood

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gambrel
Roof Material	Metal
Lot Area	44,518 sqft (1.02 acres)
Lot Dimensions	165 ft deep x 270 ft wide
Garage Type	Carport
Garage Area	570 sqft
Carport	Carport
Carport Area	570 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2630 E 11TH ST
City	PANAMA CITY
State	FL
Zip	32401-4407
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC09
Legal Description	3 4S 14W -78.1- 105A4 BEG 50 S & 40 W OF NE COR OF SE1/4 FOR POB TH S ALG W R/W LI EAST AV 270 W 165 N 270 TO S R/W LI 11TH ST. E 165 TO POB ORB 4759 P 2300
Legal Range	14W
Legal Township	04S
Legal Section	03
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1003
Census Tract	1700

Owner

2630 E 11th St, a commercial property, is owned by a company that bought it in December 2023.

Source: Bay County records, as of October 21, 2026

Owner of Record	Company Name on File
Mailing Address	700 W 23RD ST, 30, PANAMA CITY, FL 32405-3932
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Dec 21, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 10, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2023 · Amount on File
Deed Sale	Dec 21, 2023 · Amount on File
Prior Sale	Apr 10, 2023 · Amount on File
Deed Document Number	202379183
Deed Book / Page	4759 / 2300
Prior Transfer Date	Apr 8, 2008
Prior Transfer Doc	0030430280
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Sep 30, 2026
Property Address	2630 E 11TH ST, PANAMA CITY, FL 32401-4407
Document Number	0000061016
Book / Page	5084 / 1915
Instrument Date	Sep 30, 2026
Instrument	202661016
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	2630 E 11TH ST, PANAMA CITY, FL 32401-4407

Mortgage

Document Number	0000061016,
Date	Sep 30, 2026
Book Page	5084/1915
Instrument	202661016

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 30, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 21, 2023
Property Address	2630 E 11TH ST, PANAMA CITY, FL 32401-4407
Document Number	0047592300
Book / Page	4759 / 2300
Instrument Date	Dec 12, 2023
Instrument	2023079183
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$12,425.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2630 E 11TH ST, PANAMA CITY, FL 32401-4407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 W 23RD ST STE 30, 30, PANAMA CITY, FL 32405-3932

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 10, 2023
Property Address	2630 E 11TH ST, PANAMA CITY, FL 32401-4407
Document Number	0046761105
Book / Page	4676 / 1105
Instrument Date	Mar 28, 2023
Instrument	2023021443
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Amount	Amount on Record
Tax	$1,442.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2715 S BYRON BUTLER PKWY, PERRY, FL 32348-6309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2630 E 11TH ST, PANAMA CITY, FL 32401-4407

Tax Assessment & Valuation

The 2025 property tax bill for 2630 E 11th St was $4,258, down 19.4% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,258.00 (-19.4%)	$269,624 Land $127,750 Building $141,874	$269,624 Land $127,750 Building $141,874
2024	$5,283.00 (+13.64%)
2023	$4,649.00 (+2.09%)	$261,369 (-3.79%) Land $95,812 Building $165,557	$261,369 (-3.79%) Land $95,812 Building $165,557
2022	$4,554.00	$271,673 Land $95,812 Building $175,861	$271,673 Land $95,812 Building $175,861

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

Flood

FEMA maps place 2630 E 11th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	30.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	16 (1999–2024)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Michael, Oct 2018 · 4 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 2630 E 11th St is low, with a 0.03% 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	0.03% 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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 193 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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