Bay County property record for 2630 E 40th Ct, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,392 sqft · built 1995 |
| Lot Size | 0.323 acres (14,070 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $172,000 (Jan 2008) |
| Tax Bill | $1,780 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11547-040-000 |
| Primary APN | 11547-040-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,392 sqft Heated Area |
| Gross Area | 1,922 sqft |
| 1st Floor Area | 1,392 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 14,070 sqft (0.323 acres) |
| Lot Dimensions | 141 ft deep x 100 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 530 sqft |
| Patio Area | 250 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2630 E 40TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 15 3S 14W -13.7- 103A ST AND BAY DEV CO PLAT BEG 670.8' N & 155' W OF SE |
| 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 | 2071 |
| 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 | 2728 MOSQUITO RD, CHIPLEY, FL 32428-3534 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2008 · Amount on Record |
| Deed Sale | Jan 3, 2008 · Amount on Record |
| Deed Document Number | 2008-000387 |
| Deed Book / Page | 3009 / 2327 |
| 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 | $1,780.00 (+13.45%) | $143,929 (+17.81%) Land $55,174 Building $88,755 | $143,929 (+17.81%) Land $55,174 Building $88,755 |
| 2023 | $1,569.00 (+17.62%) | $122,172 (+9.01%) Land $35,966 Building $86,206 | $122,172 (+9.01%) Land $35,966 Building $86,206 |
| 2022 | $1,334.00 | $112,076 Land $32,830 Building $79,246 | $112,076 Land $32,830 Building $79,246 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 281 locations within half a mile, as of December 31, 2025
| Provider | Max 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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