Bay County property record for 2806 E 14th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,340 sqft · built 1982 |
| Lot Size | 0.547 acres (23,827 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $582 (2025) |
| Deeds & Mortgages | Aug 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 15205-020-000 |
| Primary APN | 15205-020-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| Gross Area | 1,652 sqft |
| 1st Floor Area | 1,340 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 23,827 sqft (0.547 acres) |
| Lot Dimensions | 152 ft deep x 157 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 75 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2806 E 14TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5069 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 2 4S 14W -23.2- 118B2 N 177.44 OF W 157.5 OF W 315 OF N1/2 OF SE1/4 OF NW1/4 OF NW1/4 LESS N 25 RD R/W ORB 4286 P 2166 |
| 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 |
2806 E 14th St is owned and occupied by an individual who acquired it in August 2020.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2806 E 14TH ST, PANAMA CITY, FL 32401-5069 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 14, 2020 |
| Transfer Doc | 0042862166 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 14, 2020 |
| Property Address | 2806 E 14TH ST, PANAMA CITY, FL 32401-5069 |
| Document Number | 0042862166 |
| Book / Page | 004286 / 002166 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 53521 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2806 E 14TH ST PANAMA CITY FL 324015069, PANAMA CITY, FL 32401-5069 |
The 2025 property tax bill for 2806 E 14th St was $582 with a homeowner's exemption, down 2.3% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $582.00 (-2.35%) Homeowner's exemption | $86,739 | $182,119 Land $63,000 Building $119,119 |
| 2024 | $596.00 (+3.65%) | ||
| 2023 | $575.00 (+135.66%) Homeowner's exemption | $81,839 (+91.58%) | $134,496 (+125.99%) Land $43,155 Building $91,341 |
| 2022 | $244.00 Homeowner's exemption | $42,718 | $59,513 Land $33,075 Building $26,438 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2806 E 14th St in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.
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 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 |
|
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 risk around 2806 E 14th 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.
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 |
| 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.
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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