2802 E 13th St, Panama City, FL 32401 Property Records

Bay County property record for 2802 E 13th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1950
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$88,700 (May 2018)
Tax Bill	$523 (2025)
Deeds & Mortgages	May 2018 Sale May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`15239-000-000`

Property Details

APN / Parcel Number

Primary APN	`15239-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	1,812 sqft
1st Floor Area	1,512 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1980
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	330 ft deep x 198 ft wide
Garage Type	Attached
Garage Area	300 sqft
Porch	Unfinished Open Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2802 E 13TH ST
City	PANAMA CITY
State	FL
Zip	32401-5018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	2 4S 14W -54- 118B2 BEG AT NW COR OF NE1/4 OF SW1/4 OF NW1/4 TH E 198 S 330 W 198 N 330 TO POB ORB 4010 P 206
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

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2802 E 13TH ST, PANAMA CITY, FL 32401-5018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 21, 2018	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC
May 21, 2018	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2018 · Amount on Record
Deed Sale	May 21, 2018 · Amount on Record
Prior Sale	May 21, 2018 · Amount on Record
Deed Document Number	201829860
Deed Book / Page	4010 / 206
Last Transfer Date	Jan 2, 2025
Transfer Doc	0048730139
Record Updated	Sep 20, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 21, 2018
Property Address	2802 E 13TH ST, PANAMA CITY, FL 32401-5018
Document Number	0040100204
Book / Page	004010 / 000204
Instrument Date	May 16, 2018
Instrument	29859
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$207.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2802 E 13TH ST PANAMA CITY FL 324015018, PANAMA CITY, FL 32401-5018

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 21, 2018
Property Address	2802 E 13TH ST, PANAMA CITY, FL 32401-5018
Document Number	0040100206
Book / Page	004010 / 000206
Instrument Date	May 16, 2018
Instrument	29860
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$620.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2802 E 13TH ST PANAMA CITY FL 324015018, PANAMA CITY, FL 32401-5018

Tax Assessment & Valuation

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	$523.00 (-2.79%) Homeowner's exemption	$81,949 (+5.99%)	$203,085 (+37.9%) Land $91,080 Building $112,005
2024	$538.00 (+3.66%)
2023	$519.00 (+11.13%) Homeowner's exemption	$77,319 (+3%)	$147,275 (+69.66%) Land $62,389 Building $84,886
2022	$467.00 Homeowner's exemption	$75,067	$86,805 Land $47,817 Building $38,988

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

Flood

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 Record 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

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.

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