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2807 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 2807 E 12th St, Panama City, FL 32401

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,107 sqft · built 2022
Lot Size0.246 acres (10,715 sqft)
OwnerIndividual Name on File
Tax Bill$1,251 (2025)
Deeds & MortgagesOct 2022 Transfer
Jul 2021 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN15250-010-000

Property Details

APN / Parcel Number

Primary APN15250-010-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,107 sqft Living Area
1st Floor Area1,107 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,715 sqft (0.246 acres)
Lot Dimensions145 ft deep x 74 ft wide
Garage TypeCarport
Garage Area336 sqft
CarportCarport
Carport Area336 sqft
PorchOpen Porch
Porch Area117 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2807 E 12TH ST
CityPANAMA CITY
StateFL
Zip32401-5013
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeR2
Legal Description2 4S 14W -65.1- 118B2 BEG NW COR OF S1/2 OF NE1/4 OF SW1/4 OF NW1/4 TH S 165 E 130 N165 W130 TO POB LESS S 20 ROW, LESS -65.3- ORB 3281 P 2286
Legal Range14W
Legal Township04S
Legal Section02
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1044
Census Tract1200

Owner

2807 E 12th St, a mobile home, is owned by an individual who acquired it in October 2022.

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

Owner of RecordIndividual Name on File
Mailing Address5136 KAITLIN TRL, CHIPLEY, FL 32428-8403
Owner TypeIndividual

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

DateDocument
Oct 27, 2022Intrafamily Transfer, Transfer
Jul 19, 2021Deed of Trust, Mortgage · Line of Credit
TRIAD FINANCIAL SERVICES INC
Apr 26, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateOct 27, 2022
Transfer Doc0000078678
Record UpdatedSep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateOct 27, 2022
Property Address2807 E 12TH ST, PANAMA CITY, FL 32401-5013
Document Number0046250351
Book / Page4625 / 351
Instrument DateOct 27, 2022
Instrument2022078678
Transaction TypeTransfer
Record UpdatedNov 16, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5136 KAITLIN TRL, 5136, CHIPLEY, FL 32428-8403

Transferred To (Grantee/Buyer)

NameVerified Name
Address2811 E 12TH ST, PANAMA CITY, FL 32401-5013

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address2807 E 12TH ST, PANAMA CITY, FL 32401-5013
Transaction TypeMortgage
Record UpdatedAug 4, 2021
Title CompanyEQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0044351398
DateJul 19, 2021
Book Page4435/1398
Instrument2021054937
Lender
NameTRIAD FINANCIAL SERVICES INC
TypeMortgage Company
AddressJACKSONVILLE, FL 32224
Agreement
TypeLine of Credit
AmountAmount on Record
Term239 Months
DueJun 18, 2041
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateApr 26, 2021
Property Address2807 E 12TH ST, PANAMA CITY, FL 32401-5013
Document Number0043961762
Book / Page4396 / 1762
Instrument DateApr 23, 2021
Instrument2021030767
Transaction TypeTransfer
Record UpdatedMay 14, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2807 E 12TH ST, PANAMA CITY, FL 32401-5013

Tax Assessment & Valuation

The 2025 property tax bill for 2807 E 12th St was $1,251, up 0.8% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,251.00 (+0.81%)$101,133 Land $29,233 Building $71,900$101,133 Land $29,233 Building $71,900
2024$1,241.00 (+6,431.58%)
2023$19.00 Homeowner's exemption Widower's exemption Additional exemption filed$33,610$76,190 Land $20,024 Building $56,166

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

Flood

FEMA maps place 2807 E 12th 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 27 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies27 in force
Nearby Flood Claims25 (1982–2018)
Claims Outside the SFHA20 of 25
Most Recent ClaimOct 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 2807 E 12th 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 SystemBAY COUNTY WATER SYSTEM
serves 40,848 people · EPA ID FL1030050
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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