2801 E 13th St, Panama City, FL 32401 Property Records

Bay County property record for 2801 E 13th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,203 sqft · built 1948
Lot Size	0.568 acres (24,742 sqft)
Owner	Individual Name on File
Last Sale	$298,000 (May 2023)
Tax Bill	$2,399 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15220-000-000`

Property Details

APN / Parcel Number

Primary APN	`15220-000-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,203 sqft Living Area
1st Floor Area	1,203 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2018
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	24,742 sqft (0.568 acres)
Lot Dimensions	330 ft deep x 75 ft wide
Porch	Unfinished Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2801 E 13TH ST
City	PANAMA CITY
State	FL
Zip	32401-5017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	2 4S 14W -39- 118B2 W 75 OF S1/2 OF SE1/4 OF NW1/4 OF NW1/4 ORB 4694 P 441
Legal Range	14W
Legal Township	04S
Legal Section	02
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1042
Census Tract	1200

Owner

2801 E 13th St is owned and occupied by an individual who bought it in May 2023.

Source: Bay County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	2801 E 13TH ST, PANAMA CITY, FL 32401-5017
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 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
May 31, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Feb 25, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Feb 25, 2022	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2023 · Amount on File
Deed Sale	May 31, 2023 · Amount on File
Prior Sale	Feb 25, 2022 · Amount on File
Deed Document Number	202333502
Deed Book / Page	4694 / 441
Prior Transfer Date	Feb 17, 2022
Prior Transfer Doc	0045281073
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Jul 28, 2026
Property Address	2801 E 13TH ST, PANAMA CITY, FL 32401-5017
Document Number	0000045789
Book / Page	5061 / 704
Instrument Date	Jul 23, 2026
Instrument	202645789
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 E 13TH ST, PANAMA CITY, FL 32401-5017

Mortgage

Document Number	0000045789,
Date	Jul 28, 2026
Book Page	5061/704
Instrument	202645789

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 31, 2023
Property Address	2801 E 13TH ST, PANAMA CITY, FL 32401-5017
Document Number	0046940441
Book / Page	4694 / 441
Instrument Date	May 29, 2023
Instrument	2023033502
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,086.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 HALLAM AVE, ERLANGER, KY 41018-2216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 E 13TH ST, PANAMA CITY, FL 32401-5017

Mortgage

Document Number	0004694443
Date	May 31, 2023
Instrument	4694/443

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 25, 2022
Property Address	2801 E 13TH ST, PANAMA CITY, FL 32401-5017
Document Number	0045281078
Book / Page	4528 / 1078
Instrument Date	Feb 23, 2022
Instrument	2022013694
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 S KIMBREL AVE, 115, PANAMA CITY, FL 32404-7929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 HATLAM AVE, ERLANGER, KY 41018

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 25, 2022
Property Address	2801 E 13TH ST, PANAMA CITY, FL 32401-5017
Document Number	0045281073
Book / Page	4528 / 1073
Instrument Date	Feb 17, 2022
Instrument	2022013693
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 CLYDE CT, 315, MCDONOUGH, GA 30252-4499

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 S KIMBREL AVE, PANAMA CITY, FL 32404-7929

Tax Assessment & Valuation

The 2025 property tax bill for 2801 E 13th St was $2,399 with a homeowner's exemption, down 8.5% 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	$2,399.00 (-8.5%) Homeowner's exemption	$233,571 Land $34,500 Building $199,071	$233,571 Land $34,500 Building $199,071
2024	$2,622.00 (+125.26%)
2023	$1,164.00 (+41.26%)	$89,835 (+32.28%) Land $23,632 Building $66,203	$89,835 (+32.28%) Land $23,632 Building $66,203
2022	$824.00	$67,913 Land $18,112 Building $49,801	$67,913 Land $18,112 Building $49,801

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2801 E 13th 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 2801 E 13th 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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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 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.

Nearby Properties on E 13th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures