2635 E 39th St, Panama City, FL 32405 Property Records

Bay County property record for 2635 E 39th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,597 sqft · built 2001
Lot Size	0.273 acres (11,892 sqft)
Owner	Individual Name on File
Last Sale	$162,000 (Mar 2017)
Tax Bill	$2,345 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage Mar 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`11545-010-020`

Property Details

APN / Parcel Number

Primary APN	`11545-010-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,597 sqft Heated Area
Gross Area	2,352 sqft
1st Floor Area	1,597 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	11,892 sqft (0.273 acres)
Lot Dimensions	119 ft deep x 100 ft wide
Garage Area	500 sqft
Driveway	Driveway
Driveway Area	784 sqft
Porch	Porch
Porch Area	255 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2635 E 39TH ST
City	PANAMA CITY
State	FL
Zip	32405-6620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	15 3S 14W -13.6C- 103A ST AND BAY DEV CO PLAT COM AT SE COR OF SEC TH N 33'
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	2070
Census Tract	1301

Owner

2635 E 39th St is owned and occupied by an individual who bought it in March 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2635 E 39TH ST, PANAMA CITY, FL 32405-6620
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2017	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Mar 7, 2017	Quit Claim Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2017 · Amount on File
Deed Sale	Mar 7, 2017 · Amount on File
Prior Sale	Mar 7, 2017
Deed Document Number	2017012373
Deed Book / Page	3879 / 1663
Record Updated	Jun 8, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 7, 2017
Property Address	2635 E 39TH ST, PANAMA CITY, FL 32405-6620
Document Number	0038791663
Book / Page	3879 / 1663
Instrument Date	Mar 3, 2017
Instrument	2017012373
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	CONERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 EAGLES LANDING WAY, 225, KISSMMEE, NM 43744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 VIRGINIA AVE, LYNN HAVEN, FL 32444-4247

Mortgage

Document Number	2017012374
Date	Mar 7, 2017
Instrument	2017012374

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 7, 2017
Property Address	2635 E 39TH ST, PANAMA CITY, FL 32405-6620
Document Number	0038791661
Book / Page	003879 / 001661
Instrument Date	Mar 2, 2017
Instrument	12372
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2225 EAGLES LANDING WAY KISSIMMEE FL 347446456, KISSIMMEE, FL 34744-6456

Tax Assessment & Valuation

The 2025 property tax bill for 2635 E 39th St was $2,345.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,345.00	$189,571 Land $52,359 Building $137,212	$189,571 Land $52,359 Building $137,212
2023	$2,101.00 (+18.77%)	$164,657 (+9.94%) Land $34,131 Building $130,526	$164,657 (+9.94%) Land $34,131 Building $130,526
2022	$1,769.00	$149,766 Land $31,155 Building $118,611	$149,766 Land $31,155 Building $118,611

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

Flood

FEMA maps place 2635 E 39th 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	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 2635 E 39th St is low, with a 0.04% 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	0.04% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

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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