Bay County property record for 2703 E 12th St, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 0.182 acres (7,971 sqft) |
| Owner | Owner Name on File |
| Last Sale | $63,000 (Aug 2002) |
| Tax Bill | $241 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15452-302-000 |
| Primary APN | 15452-302-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Lot Area | 7,971 sqft (0.182 acres) |
|---|---|
| Lot Dimensions | 140 ft deep x 57 ft wide |
| Fence | Fence |
| Street Address | 2703 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | ABBOTT'S ADD TO CEDAR GROVE LOT 2 BLK A ORB 1567 P 1102 ORB 1705 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Legal Subdivision | ABBOTTS ADD |
| Legal Block | A |
| Legal Lot Number | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 1200 |
The current owner of 2703 E 12th St bought it in August 2002.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2711 E 12TH ST, PANAMA CITY, FL 32401-5046 |
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 2, 2002 · Amount on File |
| Deed Sale | Aug 2, 2002 · Amount on File |
| Deed Document Number | 2002-047001 |
| Deed Book / Page | 2168 / 2238 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2703 E 12th St was $241.
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 | $241.00 | $23,210 Land $22,344 Building $866 | $23,210 Land $22,344 Building $866 |
| 2023 | $186.00 (+28.28%) | $16,172 (+28.38%) Land $15,305 Building $867 | $16,172 (+28.38%) Land $15,305 Building $867 |
| 2022 | $145.00 | $12,597 Land $11,730 Building $867 | $12,597 Land $11,730 Building $867 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2703 E 12th 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 2703 E 12th 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 64% of the US · lower than 90% 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.
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 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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