Bay County property record for 2709 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,030 sqft · built 1940 |
| Lot Size | 0.212 acres (9,234 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $21,500 (May 2024) |
| Tax Bill | $959 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15765-000-000 |
| Primary APN | 15765-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,030 sqft Living Area |
| 1st Floor Area | 918 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Wood Frame (Stucco or Asbestos) |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,234 sqft (0.212 acres) |
| Lot Dimensions | 110 ft deep x 84 ft wide |
| Garage Type | Detached |
| Garage Area | 190 sqft |
| Driveway | Driveway |
| Driveway Area | 900 sqft |
| Porch | Florida Room |
| Porch Area | 112 sqft |
| Patio Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2709 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC09 |
| Legal Description | DOTY SUBD (16.2) 118B3 LOT 16 & E 34 OF LOT 15 LYING N OF RR R/W BLK C ORB 4807 P 716 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Legal Subdivision | DOTY SUBD |
| Legal Block | C |
| Legal Lot Number | 16,15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 1700 |
2709 E 8th St is owned and occupied by two individuals who bought it in May 2024.
Source: Bay County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2709 E 8TH ST, PANAMA CITY, FL 32401-5102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2024 · Amount on File |
| Deed Sale | May 31, 2024 · Amount on File |
| Prior Sale | Jan 28, 2009 · Amount on File |
| Deed Document Number | 202431891 |
| Deed Book / Page | 4807 / 716 |
| Prior Transfer Date | May 23, 2024 |
| Prior Transfer Doc | 0048070716 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2709 E 8th St was $959, down 17.8% 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 | $959.00 (-17.75%) | $59,764 | $62,594 Land $24,297 Building $38,297 |
| 2024 | $1,166.00 (+1%) | ||
| 2023 | $1,060.00 (+10.99%) | $53,044 (+8.75%) Land $16,447 Building $36,597 | $53,044 (+8.75%) Land $16,447 Building $36,597 |
| 2022 | $955.00 | $48,778 Land $15,325 Building $33,453 | $48,778 Land $15,325 Building $33,453 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2709 E 8th 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 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 2709 E 8th 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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