2729 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 2729 E 16th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 1962
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Jun 2022)
Tax Bill	$1,836 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14864-011-000`

Property Details

APN / Parcel Number

Primary APN	`14864-011-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Heated Area
Gross Area	2,256 sqft
1st Floor Area	1,380 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	95 ft deep x 95 ft wide
Porch	Porch
Porch Area	60 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2729 E 16TH ST
City	PANAMA CITY
State	FL
Zip	32405-6328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35 3S 14W - 49.1- 117C3- BEG 457.80' E & 886'N OF SW COR OF SW1/4 TH E95' ALG N R/W
Legal Range	14W
Legal Township	03S
Legal Section	35
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2011
Census Tract	1200

Owner

2729 E 16th St is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328
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
Jun 20, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Oct 6, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Apr 8, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Apr 24, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Nov 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Feb 22, 2017	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2022 · Amount on File
Deed Sale	Jun 20, 2022 · Amount on File
Prior Sale	Apr 24, 2019 · Amount on File
Deed Document Number	2022046057
Deed Book / Page	4578 / 991
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 20, 2022
Property Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328
Document Number	0045780991
Book / Page	4578 / 991
Instrument Date	Jun 14, 2022
Instrument	2022046057
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,484.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 OAK FORREST DR, 305, ANGLETON, TX 77515-7456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328

Mortgage

Document Number	0004578993
Date	Jun 20, 2022
Instrument	4578/993

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Mortgage

Document Number	0045781008
Date	Jun 20, 2022
Book Page	4578/1008
Instrument	2022046059

Lender

Name	BAY COUNTY BOARD OF COUNTY COMMISSIONERS
Type	Government Agency
Address	PANAMA CITY, FL 32401

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328

Mortgage

Document Number	0044692062
Date	Oct 6, 2021
Book Page	4469/2062
Instrument	2021076524

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328
Document Number	0042522323
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2729 E 16TH ST PANAMA CITY FL 324056328, PANAMA CITY, FL 32405-6328

Mortgage

Document Number	0042522323
Date	May 19, 2020
Book Page	004252/002323
Instrument	32486

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	FLINT, MI 48501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 24, 2019
Property Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328
Document Number	0041151737
Book / Page	004115 / 001737
Instrument Date	Apr 22, 2019
Instrument	40803
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2729 E 16TH ST PANAMA CITY FL 324056328, PANAMA CITY, FL 32405-6328

Mortgage

Document Number	41151738
Date	Apr 24, 2019
Book Page	004115/001738
Instrument	40804

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328
Document Number	0039612123
Book / Page	003961 / 002123
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2729 E 16TH ST PANAMA CITY FL 324056328, PANAMA CITY, FL 32405-6328

Mortgage

Document Number	0039612123
Date	Dec 8, 2017
Book Page	003961/002123
Instrument	70868

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 7, 2032

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 22, 2017
Property Address	2729 E 16TH ST, PANAMA CITY, FL 32405-6328
Document Number	0038760554
Book / Page	003876 / 000554
Instrument Date	Feb 21, 2017
Instrument	9905
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$756.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2729 E 16TH ST PANAMA CITY FL 324056328, PANAMA CITY, FL 32405-6328

Tax Assessment & Valuation

The 2025 property tax bill for 2729 E 16th St was $1,836 with a homeowner's exemption.

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	$1,836.00 Homeowner's exemption	$188,084	$198,348 Land $38,932 Building $159,416
2023	$1,773.00 (+6.17%) Homeowner's exemption	$177,459 (+25.64%) Land $31,555 Building $145,904	$177,459 (+25.64%) Land $31,555 Building $145,904
2022	$1,670.00	$141,245 Land $25,441 Building $115,804	$141,245 Land $25,441 Building $115,804

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

Flood

FEMA maps place 2729 E 16th 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 2729 E 16th St 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 98% of the US · lower than 97.6% 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.

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 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	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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