Bay County property record for 2716 E 7th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,294 sqft · built 1933 |
| Lot Size | 0.261 acres (11,369 sqft) |
| Owner | Individual Name on File |
| Last Sale | $33,600 (Jan 2015) |
| Tax Bill | $16 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jan 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 15785-000-000 |
| Primary APN | 15785-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,294 sqft Living Area |
| 1st Floor Area | 1,066 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,369 sqft (0.261 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 228 sqft |
| Carport | Carport |
| Carport Area | 228 sqft |
| Driveway | Driveway |
| Driveway Area | 600 sqft |
| Porch | Florida Room |
| Porch Area | 218 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2716 E 7TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC09 |
| Legal Description | DOTY SUBD LOTS 3, 4 & N 8 LOT 21 BLK E ORB 3669 P 2 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Legal Subdivision | DOTY SUBD |
| Legal Block | E |
| Legal Lot Number | 3,21 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 1700 |
2716 E 7th Ct is owned and occupied by an individual who bought it in January 2015.
Source: Bay County records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2716 E 7TH CT, PANAMA CITY, FL 32401-5236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Jan 3, 2019 | Loan Modification, Mortgage US SMALL BUSN ADMN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2015 · Amount on File |
| Deed Sale | Jan 16, 2015 · Amount on File |
| Prior Sale | Aug 5, 2002 · Amount on File |
| Deed Document Number | 20152682 |
| Deed Book / Page | 3669 / 2 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 5, 2026 |
| Property Address | 2716 E 7TH CT, PANAMA CITY, FL 32401-5236 |
| Document Number | 0000034357 |
| Book / Page | 5042 / 1643 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 202634357 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2716 E 7TH CT, PANAMA CITY, FL 32401-5236 |
| Document Number | 0000034357, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 5042/1643 |
| Instrument | 202634357 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2716 E 7TH CT, PANAMA CITY, FL 32401-5236 |
| Document Number | 0040861964 |
| Instrument Date | Jan 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Name | Verified Name |
|---|---|
| Address | 6913 CHERRY ST #F CALLAWAY FL 324048092, F, CALLAWAY, FL 32404-8092 |
| Document Number | 0040861964 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 004086/001964 |
| Instrument | 13579 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 4, 2049 |
The 2025 property tax bill for 2716 E 7th Ct was $16 with a homeowner's exemption, down 89.3% 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 | $16.00 (-89.33%) Homeowner's exemption | $26,016 | $97,410 Land $29,574 Building $67,836 |
| 2024 | $150.00 (-30.23%) | ||
| 2023 | $215.00 (-14.34%) Homeowner's exemption | $24,547 (+3%) | $85,673 (+8.62%) Land $20,020 Building $65,653 |
| 2022 | $251.00 Homeowner's exemption | $23,832 | $78,875 Land $18,654 Building $60,221 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2716 E 7th Ct 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 2716 E 7th Ct 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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