Bay County property record for 2805 E 2nd Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,395 sqft · built 1944 |
| Lot Size | 0.335 acres (14,592 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $20,000 (Jan 2014) |
| Tax Bill | $150 (2024) |
| Deeds & Mortgages | Nov 2022 Transfer Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 24147-000-000 |
| Primary APN | 24147-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,395 sqft Living Area |
| Gross Area | 1,635 sqft |
| 1st Floor Area | 1,395 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,592 sqft (0.335 acres) |
| Lot Dimensions | 195 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Porch | Open Porch |
| Porch Area | 318 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2805 E 2ND CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-6107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | KEITHS BAY HARBOR ADD (12.9) LOT 11 & W 55 LOTS 9,10 & S 1/2 LOT 12 BLK 11 ORB 4632 P 767 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | KEITHS BAY HARBOR ADD |
| Legal Block | 11 |
| Legal Lot Number | 9,11, |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 1800 |
Source: Bay County records, as of October 9, 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 | 2805 E 2ND CT, PANAMA CITY, FL 32401-6107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 18, 2022 | Intrafamily Transfer, Transfer |
| Apr 17, 2019 | Deed of Trust, Mortgage · Line of Credit TYNDALL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2014 · Amount on Record |
| Deed Sale | Jan 22, 2014 · Amount on Record |
| Prior Sale | Jan 3, 2014 · Amount on Record |
| Deed Document Number | 20143529 |
| Deed Book / Page | 3579 / 2089 |
| Last Transfer Date | Oct 13, 2022 |
| Transfer Doc | 0046320767 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 18, 2022 |
| Property Address | 2805 E 2ND CT, PANAMA CITY, FL 32401-6107 |
| Document Number | 0046320767 |
| Book / Page | 4632 / 767 |
| Map Reference | MB 1 PG 74 |
| Instrument Date | Oct 13, 2022 |
| Instrument | 2022083567 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3194 FLORIDA AVE, PANAMA CITY, FL 32405-3335 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2805 E 2ND CT, PANAMA CITY, FL 32401-6107 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2805 E 2ND CT, PANAMA CITY, FL 32401-6107 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0041130918 |
|---|---|
| Date | Apr 17, 2019 |
| Book Page | 4113/0918 |
| Instrument | 2019038699 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 15, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $114,163 (+5.99%) | $121,160 (+12.48%) Land $31,590 Building $89,570 | |
| 2024 | $150.00 (-14.77%) | ||
| 2023 | $176.00 (-82.78%) Homeowner's exemption Disabled Person's exemption | $107,715 (+99.72%) Land $21,627 Building $86,088 | $107,715 (+99.72%) Land $21,627 Building $86,088 |
| 2022 | $1,022.00 | $53,934 Land $17,820 Building $36,114 | $53,934 Land $17,820 Building $36,114 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 19 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 units insured incl. 28 condo units |
| Nearby Flood Claims | 19 (1979–2021) |
| Claims Outside the SFHA | 13 of 19 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 301 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 · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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