Bay County property record for 2712 E 19th St, Panama City, FL 32405
| Property Type | Commercial |
|---|---|
| Details | 288 sqft · built 1995 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $185 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14818-020-000 |
| Primary APN | 14818-020-000 |
|---|
| Total Rooms | 2 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 288 sqft Gross Area |
| 1st Floor Area | 288 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,755 sqft (0.201 acres) |
| Lot Dimensions | 98 ft deep x 110 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 96 sqft |
| Deck Area | 96 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 2712 E 19TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-7207 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C1 |
| Legal Description | 35 3S 14W -11.2- 117C- ST A B DEV CO PLAT BEG 440 W OF SE COR LOT 57 TH W 110 N 98.5 E 110 S 98.5 TO POB ORB 891 P 415 ORB 2677 P 468 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | ST A B DEV CO PLAT |
| Legal Lot Number | 57 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1200 |
2712 E 19th St, a commercial property, is owned by two individuals who acquired it in September 2005.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 700 J J DR, PANAMA CITY, FL 32404-8359 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 22, 2005 |
| Transfer Doc | 0026770468 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2712 E 19th St was $185, down 52.7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $185.00 (-52.69%) | $14,983 Land $10,507 Building $4,476 | $14,983 Land $10,507 Building $4,476 |
| 2024 | $391.00 (-1.76%) | ||
| 2023 | $398.00 (+2.84%) | $15,851 (-2.29%) Land $10,506 Building $5,345 | $15,851 (-2.29%) Land $10,506 Building $5,345 |
| 2022 | $387.00 | $16,223 Land $10,506 Building $5,717 | $16,223 Land $10,506 Building $5,717 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2712 E 19th St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2018.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 9 (2018–2020) |
| Claims Outside the SFHA | 8 of 9 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 2712 E 19th 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 | 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 112 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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