Bay County property record for 2631 E 16th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,712 sqft · built 1959 |
| Lot Size | 0.431 acres (18,774 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Aug 2003) |
| Tax Bill | $281 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14608-000-000 |
| Primary APN | 14608-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,712 sqft Living Area |
| 1st Floor Area | 1,712 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 18,774 sqft (0.431 acres) |
| Lot Dimensions | 190 ft deep x 99 ft wide |
| Garage Type | Carport |
| Garage Area | 218 sqft |
| Carport | Carport |
| Carport Area | 218 sqft |
| Driveway | Driveway |
| Driveway Area | 600 sqft |
| Porch | Open Porch |
| Porch Area | 189 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2631 E 16TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 34 3S 14W -6- 104D4 BEG 695 N & 269.85 W OF SE COR OF SE1/4 OF SE1/4 OF SE1/4 TH W 98.15 N 190 E 99.3S 190 TO POB ORB 1747 P 1004-1015 ORB 2318 P 966 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 34 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 1200 |
2631 E 16th St is owned and occupied by an individual who bought it in August 2003.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2631 E 16TH ST, PANAMA CITY, FL 32405-6305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2003 · Amount on File |
| Deed Sale | Aug 5, 2003 · Amount on File |
| Deed Document Number | 200356386 |
| Deed Book / Page | 2318 / 966 |
| Prior Transfer Date | Jul 22, 2003 |
| Prior Transfer Doc | 0023180966 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2631 E 16th St was $281 with exemptions applied, up 4.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $281.00 (+4.46%) Homeowner's exemption Additional exemption filed | $77,803 | $159,628 Land $41,842 Building $117,786 |
| 2024 | $269.00 (+1.13%) | ||
| 2023 | $266.00 (+4.31%) Homeowner's exemption Additional exemption filed | $73,408 (+3%) | $141,511 (+12.73%) Land $33,897 Building $107,614 |
| 2022 | $255.00 Homeowner's exemption Additional exemption filed | $71,270 | $125,536 Land $27,329 Building $98,207 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2631 E 16th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 25 (1982–2018) |
| Claims Outside the SFHA | 20 of 25 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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.
Wildfire risk around 2631 E 16th St is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 392 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 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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