2721 E 11th Ct, Panama City, FL 32401 Property Records

Bay County property record for 2721 E 11th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,159 sqft · built 1958
Lot Size	0.666 acres (29,010 sqft)
Owner	Individual Name on File
Last Sale	$95,300 (Jul 2022)
Tax Bill	$1,159 (2025)
Deeds & Mortgages	Aug 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15283-000-000`

Property Details

APN / Parcel Number

Primary APN	`15283-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,159 sqft Living Area
1st Floor Area	1,159 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	29,010 sqft (0.666 acres)
Lot Dimensions	264 ft deep x 110 ft wide
Garage Type	Carport
Garage Area	384 sqft
Carport	Carport
Carport Area	384 sqft
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2721 E 11TH CT
City	PANAMA CITY
State	FL
Zip	32401-5005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	2 4S 14W -96- 118B2 BEG 270 W OF NE COR OF SW1/4 OF SW1/4 OF NW1/4 TH S 264 W 110 N 264 E 110 TO POB ORB 4584 P 770
Legal Range	14W
Legal Township	04S
Legal Section	02
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1046
Census Tract	1200

Owner

2721 E 11th Ct is owned and occupied by an individual who bought it in July 2022.

Source: Bay County records, as of August 28, 2026

Owner of Record	Individual Name on File
Mailing Address	2721 E 11TH CT, PANAMA CITY, FL 32401-5005
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2022 · Amount on File
Deed Sale	Jul 5, 2022 · Amount on File
Prior Sale	Jun 11, 2008 · Amount on File
Deed Document Number	202250036
Deed Book / Page	4584 / 770
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Aug 7, 2026
Property Address	2721 E 11TH CT, PANAMA CITY, FL 32401-5005
Document Number	0000048474
Book / Page	5065 / 648
Instrument Date	Aug 3, 2026
Instrument	202648474
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2721 E 11TH CT, PANAMA CITY, FL 32401-5005
Investor	Possibly a Property Investor

Mortgage

Document Number	0000048474,
Date	Aug 7, 2026
Book Page	5065/648
Instrument	202648474

Lender

Name	TYNDALL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2721 E 11th Ct was $1,159 with a homeowner's exemption, down 24.3% 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	$1,159.00 (-24.35%) Homeowner's exemption	$133,330	$137,166 Land $49,280 Building $87,886
2024	$1,532.00 (-9.62%)
2023	$1,695.00 (+44.87%)	$102,064 (+56.59%) Land $33,756 Building $68,308	$102,064 (+56.59%) Land $33,756 Building $68,308
2022	$1,170.00	$65,178 Land $25,872 Building $39,306	$65,178 Land $25,872 Building $39,306

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

Flood

FEMA maps place 2721 E 11th 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 AE, within 500 ft
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 2721 E 11th Ct 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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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