2715 E 19th St, Panama City, FL 32405 Property Records

Bay County property record for 2715 E 19th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 2006
Lot Size	0.282 acres (12,284 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2021)
Tax Bill	$2,842 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14818-045-000`

Property Details

APN / Parcel Number

Primary APN	`14818-045-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,326 sqft Heated Area
Gross Area	2,013 sqft
1st Floor Area	1,326 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	12,284 sqft (0.282 acres)
Lot Dimensions	112 ft deep x 110 ft wide
Garage Area	437 sqft
Driveway	Driveway
Driveway Area	480 sqft
Porch	Porch
Porch Area	250 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2715 E 19TH ST
City	PANAMA CITY
State	FL
Zip	32405-7207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35 3S 14W -11.10- 117C- ST A B DEV CO PLAT BEG 112.5' N & 330' W OF SE
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	ST ANDREWS BAY DEV
Legal Lot Number	57
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2715 E 19th St is owned and occupied by an individual who bought it in September 2021.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2715 E 19TH ST, PANAMA CITY, FL 32405-7207
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Warranty Deed, Transfer · VA Mortgage REPUBLIC STATE MORTGAGE CO
Jul 28, 2020	Deed of Trust, Mortgage · FHA Mortgage REM CORPORATION
Apr 16, 2019	Warranty Deed, Transfer · FHA Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2021 · Amount on File
Deed Sale	Sep 28, 2021 · Amount on File
Prior Sale	Apr 16, 2019 · Amount on File
Deed Document Number	2021073845
Deed Book / Page	4465 / 1180
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 28, 2021
Property Address	2715 E 19TH ST, PANAMA CITY, FL 32405-7207
Document Number	0044651180
Book / Page	4465 / 1180
Instrument Date	Sep 23, 2021
Instrument	2021073845
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	638 COMELIA STREET, 638, FREEPORT, FL 32439

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2715 E 19TH ST, PANAMA CITY, FL 32405-7207

Mortgage

Document Number	44651182
Date	Sep 28, 2021
Instrument	4465/1182

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2715 E 19TH ST, PANAMA CITY, FL 32405-7207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042791328
Date	Jul 28, 2020
Book Page	4279/1328
Instrument	2020049084

Lender

Name	REM CORPORATION
Type	Government Agency
Address	WOODRIDGE, IL 60517

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Apr 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 16, 2019
Property Address	2715 E 19TH ST, PANAMA CITY, FL 32405-7207
Document Number	0041121525
Book / Page	4112 / 1525
Instrument Date	Mar 29, 2019
Instrument	2019038010
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2715 E 19TH ST, PANAMA CITY, FL 32405-7207

Mortgage

Document Number	2019038011
Date	Apr 16, 2019
Instrument	2019038011

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2715 E 19th St was $2,842.

Source: Bay County assessment roll, as of July 1, 2025

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	$2,842.00	$229,751 Land $38,670 Building $191,081	$229,751 Land $38,670 Building $191,081
2023	$2,648.00 (+18.96%)	$208,318 (+9.99%) Land $31,328 Building $176,990	$208,318 (+9.99%) Land $31,328 Building $176,990
2022	$2,226.00	$189,391 Land $25,258 Building $164,133	$189,391 Land $25,258 Building $164,133

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

Flood

FEMA maps place 2715 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	Hurricane Michael, Oct 2018 · 8 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 2715 E 19th St is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 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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