Bay County property record for 2729 E 12th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,558 sqft · built 1956 |
| Lot Size | 0.578 acres (25,178 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,169 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15286-030-000 |
| Primary APN | 15286-030-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,558 sqft Heated Area |
| Gross Area | 2,040 sqft |
| 1st Floor Area | 1,066 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 25,178 sqft (0.578 acres) |
| Lot Dimensions | 140 ft deep x 90 ft wide |
| Porch | Porch |
| Porch Area | 80 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2729 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W -99.3- 118B2 COM INT E R/W LI EAST AV & N LI OF S1/2 OF NW1/4 OF SW1/4 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 1200 |
2729 E 12th St is owned and occupied by two individuals who acquired it in June 2025.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 4254 DAIRY FARM RD, PANAMA CITY, FL 32404-1807 |
| 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.
| Deed Names | 4 Names on Deed |
|---|---|
| Last Transfer Date | Jun 6, 2025 |
| Transfer Doc | 0049201469 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2729 E 12th St was $1,169 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,169.00 Homeowner's exemption | $134,113 | $213,705 Land $70,560 Building $143,145 |
| 2023 | $644.00 (+93.39%) Homeowner's exemption | $87,297 (+71.82%) | $129,557 (+50.84%) Land $24,166 Building $105,391 |
| 2022 | $333.00 Homeowner's exemption | $50,806 | $85,890 Land $18,522 Building $67,368 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2729 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 |
|
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 2729 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures