SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY
Transaction
Amount
Amount on Record
Tax
$96.60
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
1204 SPRING HILL AVE, MOBILE, AL 36604-2718
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
601 WOOD TRL, PANAMA CITY, FL 32405-4490
Investor
Possibly a Property Investor
March 2022: Re-recorded Document
Document Type
Re-recorded Document
Jurisdiction
BAY FL
Recording Date
Mar 8, 2022
Property Address
2716 E 12TH ST, PANAMA CITY, FL 32401-5004
Document Number
0045331635
Book / Page
4533 / 1635
Map Reference
MB 16 PG 35
Instrument Date
Nov 8, 2021
Instrument
2022016890
Record Updated
Jan 26, 2026
Title Company
SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY
Transaction
Tax
$0.00
Amount Accuracy
No Consideration Stated
Transferred From (Grantor/Seller)
Name
Verified Name
Address
1204 SPRING HILL AVE, MOBILE, AL 36604-2718
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
601 WOOD TRL, PANAMA CITY, FL 32405-4490
Investor
Possibly a Property Investor
July 2018: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
BAY FL
Recording Date
Jul 18, 2018
Property Address
2716 E 12TH ST, PANAMA CITY, FL 32401-5004
Document Number
0040282260
Book / Page
004028 / 002260
Instrument Date
Jul 16, 2018
Instrument
42575
Transaction Type
Transfer
Record Updated
Aug 2, 2018
Title Company
ATTORNEY ONLY
Transaction
Amount
Amount on Record
Tax
$136.50
Amount Accuracy
Confirmed
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
207 AUTUMN RIDGE RD GLASGOW KY 421417093, GLASGOW, KY 42141-7093
Tax Assessment & Valuation
The 2025 property tax bill for 2716 E 12th St was $1,450, up 491.8% 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
$1,450.00 (+491.84%)Homeowner's exemption
$156,888 (+599.86%)Land $23,912Building $132,976
$156,888 (+599.86%)Land $23,912Building $132,976
2024
$245.00 (+19.51%)
$22,417 (+36.86%)Land $22,417
$22,417 (+36.86%)Land $22,417
2023
$205.00 (+42.36%)
$16,379 (+30.48%)Land $16,379
$16,379 (+30.48%)Land $16,379
2022
$144.00
$12,553Land $12,553
$12,553Land $12,553
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Flood
FEMA maps place 2716 E 12th St in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.
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 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 2716 E 12th St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood
0.05% annual chance
Exposure
Direct burnable vegetation
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