2732 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 2732 E 16th St, Panama City, FL 32405

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,782 sqft · built 2000
Lot Size	0.214 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Dec 2017)
Tax Bill	$544 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14872-025-000`

Property Details

APN / Parcel Number

Primary APN	`14872-025-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,782 sqft Heated Area
Gross Area	1,916 sqft
1st Floor Area	1,782 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,365 sqft (0.214 acres)
Lot Dimensions	125 ft deep x 75 ft wide

Exterior Amenities

Porch	Porch
Porch Area	54 sqft
Deck Area	80 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2732 E 16TH ST
City	PANAMA CITY
State	FL
Zip	32405-6329
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	35 3S 14W -55.5- 117C3 COM AT SW COR OF SEC TH E 330' N 638' E 33.68' N 73' E 75.65'
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Lot Number	3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1200

Owner

2732 E 16th St, a mobile home, is owned and occupied by two individuals who acquired it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2732 E 16TH ST, PANAMA CITY, FL 32405-6329
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
Jul 10, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Jul 10, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Feb 1, 2018	Warranty Deed ATTORNEY ONLY
Dec 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2017 · Amount on File
Deed Sale	Dec 5, 2017 · Amount on File
Deed Document Number	0039602163
Deed Book / Page	003960 / 002163
Last Transfer Date	Feb 1, 2018
Transfer Doc	0039761094
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2732 E 16TH ST, PANAMA CITY, FL 32405-6329
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041430043
Date	Jul 10, 2019
Book Page	4143/0043
Instrument	2019062816

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 16, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2732 E 16TH ST, PANAMA CITY, FL 32405-6329
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041430050
Date	Jul 10, 2019
Book Page	4143/0050
Instrument	2019062817

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	174 Months
Due	Jan 16, 2034

February 2018: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 1, 2018
Property Address	2732 E 16TH ST, PANAMA CITY, FL 32405-6329
Document Number	0039761094
Book / Page	003976 / 001094
Instrument Date	Jan 25, 2018
Instrument	6288
Record Updated	Feb 26, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2732 E 16TH ST PANAMA CITY FL 324056329, PANAMA CITY, FL 32405-6329

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 5, 2017
Property Address	2732 E 16TH ST, PANAMA CITY, FL 32405-6329
Document Number	0039602163
Book / Page	003960 / 002163
Instrument Date	Dec 4, 2017
Instrument	70171
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$175.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2732 E 16TH ST PANAMA CITY FL 324056329, PANAMA CITY, FL 32405-6329

Tax Assessment & Valuation

The 2025 property tax bill for 2732 E 16th St was $544, up 1.1% from the year before.

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	$544.00 (+1.12%)	$55,036 (+8.24%) Land $27,848 Building $27,188	$55,036 (+8.24%) Land $27,848 Building $27,188
2024	$538.00 (+6.75%)	$50,844 (+8.22%) Land $25,239 Building $25,605	$50,844 (+8.22%) Land $25,239 Building $25,605
2023	$504.00 (+44%)	$46,984 (+73.54%) Land $22,560 Building $24,424	$46,984 (+73.54%) Land $22,560 Building $24,424
2022	$350.00	$27,074 Land $18,189 Building $8,885	$27,074 Land $18,189 Building $8,885

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

Flood

FEMA maps place 2732 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 2732 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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