2709 E 11th St, Panama City, FL 32401 Property Records

Bay County property record for 2709 E 11th St, Panama City, FL 32401

Property Summary

Property Type	Warehouse, Storage
Details	2 bd · 2 ba · 5,410 sqft · built 1985
Lot Size	1 acres (43,647 sqft)
Owner	Company Name on File
Last Sale	$325,000 (Jul 2022)
Tax Bill	$2,300 (2025)
Deeds & Mortgages	Jul 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`15836-000-000`

Property Details

APN / Parcel Number

Primary APN	`15836-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	53 Rooms
Units	2 Units
Stories	1 Story
Building Area	5,410 sqft Gross Area
1st Floor Area	4,690 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,647 sqft (1 acres)
Lot Dimensions	560 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	720 sqft
Porch	Open Porch
Porch Area	180 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2709 E 11TH ST
City	PANAMA CITY
State	FL
Zip	32401-5118
Property Category	Industrial
Property Type	Industrial > Warehouse, Storage
Local Zoning Code	C3A
Legal Description	3 4S 14W -28.1-105A BEG 210 N & 330 W OF SE COR OF SE1/4 OF NE1/4 FOR POB TH N 400 W 78 S 560 E 100 N 160 W 22 TO BEG. ORB 4589 P 1526
Legal Range	14W
Legal Township	04S
Legal Section	03
Legal Subdivision	HARBOUR VILLAGE AT HISTORIC ST ANDREWS
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1045
Census Tract	1200

Owner

2709 E 11th St, an industrial property, is owned by a company that bought it in July 2022.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	1107 N EAST AVE, PANAMA CITY, FL 32401-4424
Owner Type	Company
Vesting	Limited Liability Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on File
Deed Sale	Jul 19, 2022 · Amount on File
Prior Sale	Jun 29, 2009
Deed Document Number	202253745
Deed Book / Page	4589 / 1526
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 19, 2022
Property Address	2709 E 11TH ST, PANAMA CITY, FL 32401-5118
Document Number	0045891526
Book / Page	4589 / 1526
Instrument Date	Jul 13, 2022
Instrument	2022053745
Transaction Type	Construction Loan
Record Updated	Aug 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 PICKEREL CT, 506, LYNN HAVEN, FL 32444-4780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1107 N EAST AVE, PANAMA CITY, FL 32401-4424

Mortgage

Document Number	0045891531
Date	Jul 19, 2022
Instrument	4589/1531

Lender

Name	BAY U LOK LT STORAGE INC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2709 E 11th St was $2,300, down 1% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$2,300.00 (-9.98%)	$185,902 Land $64,128 Building $121,774	$185,902 Land $64,128 Building $121,774
2024	$2,555.00 (+2.73%)
2023	$2,487.00 (+17.09%)	$182,646 (+9.6%) Land $64,128 Building $118,518	$182,646 (+9.6%) Land $64,128 Building $118,518
2022	$2,124.00	$166,653 Land $64,128 Building $102,525	$166,653 Land $64,128 Building $102,525

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

Flood

FEMA maps place 2709 E 11th St in Zone X, an area of minimal flood risk, within 100 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 100 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	Hurricane Michael, Oct 2018 · 5 claims Severe Storms And Flooding, Jul 2013 · 5 claims Hurricane Dennis, Jul 2005 · 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 2709 E 11th St is low, with a 0.03% 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	0.03% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

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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