2803 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2803 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,189 sqft · built 1995
Lot Size	0.146 acres (6,340 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jun 2022)
Tax Bill	$2,036 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14876-501-000`

Property Details

APN / Parcel Number

Primary APN	`14876-501-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,189 sqft Living Area
Gross Area	1,473 sqft
1st Floor Area	1,189 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	6,340 sqft (0.146 acres)
Garage Type	Attached
Garage Area	284 sqft
Driveway	Driveway
Driveway Area	675 sqft
Porch	Open Porch
Porch Area	128 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2803 E 17TH ST
City	PANAMA CITY
State	FL
Zip	32405-7206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PINE TREE PLACE UNIT #1 117C3 LOT 1 ORB 4580 P 2093
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	PINE TREE PLACE
Legal Lot Number	1
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2803 E 17th St is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2803 E 17TH ST, PANAMA CITY, FL 32405-7206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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 27, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Apr 14, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2022 · Amount on File
Deed Sale	Jun 27, 2022 · Amount on File
Prior Sale	Apr 14, 2021 · Amount on File
Deed Document Number	202247854
Deed Book / Page	4580 / 2093
Prior Transfer Date	May 7, 2014
Prior Transfer Doc	0036140072
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 27, 2022
Property Address	2803 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0045802093
Book / Page	4580 / 2093
Map Reference	MB 16 PG 44&45
Instrument Date	Jun 24, 2022
Instrument	2022047854
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	RODGERS KIEFER TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 FEDORA DR, 20, PANAMA CITY, FL 32409-1752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 E 17TH ST, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	0045802095
Date	Jun 27, 2022
Instrument	4580/2095

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	0045802111
Date	Jun 27, 2022
Book Page	4580/2111
Instrument	2022047856

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

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 14, 2021
Property Address	2803 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0043910707
Book / Page	4391 / 707
Map Reference	MB 16 PG 44&45
Instrument Date	Apr 12, 2021
Instrument	2021027652
Transaction Type	Transfer
Record Updated	May 18, 2021
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	$1,204.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5370 S LARAMIE PL, 5370, BOISE, ID 83716-5681

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 FEDORA DR, PANAMA CITY, FL 32409-1752

Mortgage

Document Number	4391709
Date	Apr 14, 2021
Instrument	4391/709

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2803 E 17th St was $2,036 with a homeowner's exemption, up 1.5% 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	$2,036.00 (+1.5%) Homeowner's exemption	$204,247	$216,447 Land $42,217 Building $174,230
2024	$2,006.00 (+2.14%)
2023	$1,964.00 (+16.01%) Homeowner's exemption	$192,710 (+34.53%) Land $32,718 Building $159,992	$192,710 (+34.53%) Land $32,718 Building $159,992
2022	$1,693.00	$143,247 Land $26,071 Building $117,176	$143,247 Land $26,071 Building $117,176

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

Flood

FEMA maps place 2803 E 17th 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 2803 E 17th St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 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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