Bay County property record for 2706 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,233 sqft · built 1978 |
| Lot Size | 0.252 acres (10,977 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $181,700 (Jun 2025) |
| Tax Bill | $1,544 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15737-000-000 |
| Primary APN | 15737-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,233 sqft Living Area |
| 1st Floor Area | 1,114 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,977 sqft (0.252 acres) |
| Lot Dimensions | 110 ft deep x 100 ft wide |
| Driveway | Driveway |
| Porch | Florida Room |
| Porch Area | 167 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2706 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | DOTY SUBD 118B3 LOTS 9 & 10 BLK A ORB 3940 P 1554 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Legal Subdivision | DOTY SUBD |
| Legal Block | A |
| Legal Lot Number | 9,10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1700 |
2706 E 9th St is owned by two individuals who bought it in June 2025.
Source: Bay County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 930 BOXWOOD DR, LEWISVILLE, TX 75067-4220 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Sep 27, 2017 | Warranty Deed, Transfer · Conventional with PMI STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2025 · Amount on File |
| Deed Sale | Jun 17, 2025 · Amount on File |
| Prior Sale | Sep 27, 2017 · Amount on File |
| Deed Document Number | 202533846 |
| Deed Book / Page | 4923 / 1251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2706 E 9TH ST, PANAMA CITY, FL 32401-5111 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Title Company | NOT AVAILABLE, MORTGAGE TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Address | 2706E E 9TH ST, PANAMA CITY, FL 32401-5111 |
| Document Number | 0044012306 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 4401/2306 |
| Instrument | 2021033949 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 27, 2017 |
| Property Address | 2706 E 9TH ST, PANAMA CITY, FL 32401-5111 |
| Document Number | 0039401554 |
| Book / Page | 003940 / 001554 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 55522 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2017 |
| Title Company | ASSURE TITLE, ASSURE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $623.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2706 E 9TH ST PANAMA CITY BEACH FL 324015111, PANAMA CITY BEACH, FL 32401-5111 |
| Document Number | 39401555 |
|---|---|
| Date | Sep 27, 2017 |
| Book Page | 003940/001555 |
| Instrument | 55523 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 26, 2047 |
The 2025 property tax bill for 2706 E 9th St was $1,544, up 2.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,544.00 (+2.52%) | $84,180 | $124,475 Land $28,925 Building $95,550 |
| 2024 | $1,506.00 (+4.87%) | ||
| 2023 | $1,436.00 (+11.93%) | $72,761 (+9.16%) Land $19,580 Building $53,181 | $72,761 (+9.16%) Land $19,580 Building $53,181 |
| 2022 | $1,283.00 | $66,655 Land $18,245 Building $48,410 | $66,655 Land $18,245 Building $48,410 |
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 2706 E 9th 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 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 |
|
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 2706 E 9th 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 97% of the US · lower than 96% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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