2744 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 2744 E 12th St, Panama City, FL 32401

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,056 sqft · built 1995
Lot Size	0.196 acres (8,538 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (Oct 2019)
Tax Bill	$53 (2025)
Deeds & Mortgages	Oct 2019 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`15452-311-000`

Property Details

APN / Parcel Number

Primary APN	`15452-311-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,056 sqft Heated Area
1st Floor Area	1,056 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,538 sqft (0.196 acres)
Lot Dimensions	140 ft deep x 61 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2744 E 12TH ST
City	PANAMA CITY
State	FL
Zip	32401-5004
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	ABBOTT'S ADD TO CEDAR GROVE LOT 8 BLK B ORB 4181 P 557
Legal Range	14W
Legal Township	04S
Legal Section	02
Legal Subdivision	ABBOTTS ADD
Legal Block	B
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1046
Census Tract	1200

Owner

2744 E 12th St, a mobile home, is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2744 E 12TH ST, PANAMA CITY, FL 32401-5004
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	2 Names on Deed
Last Sale	Oct 18, 2019 · Amount on File
Deed Sale	Oct 18, 2019 · Amount on File
Prior Sale	Jul 18, 2012 · Amount on File
Deed Document Number	2019091516
Deed Book / Page	4181 / 0557
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 18, 2019
Property Address	2744 E 12TH ST, PANAMA CITY, FL 32401-5004
Document Number	0041810557
Book / Page	004181 / 000557
Instrument Date	Oct 17, 2019
Instrument	91516
Transaction Type	Transfer
Record Updated	Nov 21, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
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	PO BOX 36652 PANAMA CITY FL 324126652, PANAMA CITY, FL 32412-6652

Mortgage

Document Number	41810559
Date	Oct 18, 2019
Book Page	004181/000559
Instrument	91517

Lender

Name	BYRD FAMILY PROPERTIES LLC
Address	13536 HIGHWAY 77, PANAMA CITY, FL 32409-3606

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2744 E 12th St was $53 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	$53.00 Homeowner's exemption	$29,312	$46,689 Land $23,912 Building $22,777
2023	$71.00 (+77.5%) Homeowner's exemption	$27,545 (+3%)	$33,530 (+20.05%) Land $16,379 Building $17,151
2022	$40.00 Homeowner's exemption	$26,743	$27,930 Land $12,553 Building $15,377

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

Flood

FEMA maps place 2744 E 12th St 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 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 2744 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.

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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