2808 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 2808 E 12th St, Panama City, FL 32401

Property Summary

Property Type	Mobile Home
Details	3 bd · 2.5 ba · 1,120 sqft · built 2020
Lot Size	0.332 acres (14,461 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Jul 2026)
Tax Bill	$462 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15245-000-000`

Property Details

APN / Parcel Number

Primary APN	`15245-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,461 sqft (0.332 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	483 sqft
Porch	Florida Room
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2808 E 12TH ST
City	PANAMA CITY
State	FL
Zip	32401-5014
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R2
Legal Description	2 4S 14W -60- BEG AT SW COR OF NE1/4 OF SW1/4 OF NW1/4 TH N 145 E 100 S 145 W 100 TO POB ORB 4253 P 1817
Legal Range	14W
Legal Township	04S
Legal Section	02
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1046
Census Tract	1200

Owner

2808 E 12th St, a mobile home, is owned and occupied by an individual who bought it in July 2026.

Source: Bay County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1012 E 24TH PLZ, J, PANAMA CITY, FL 32405-5269
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Jul 2, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Jan 24, 2023	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
May 20, 2020	Warranty Deed, Transfer · Conventional Mortgage ALFIERI VICTOR TRUST (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2026 · Amount on File
Deed Sale	Jul 2, 2026 · Amount on File
Prior Sale	May 20, 2020 · Amount on File
Deed Document Number	202640206
Deed Book / Page	5052 / 596
Prior Transfer Date	Aug 19, 2014
Prior Transfer Doc	0036321213
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 2, 2026
Property Address	2808 E 12TH ST, PANAMA CITY, FL 32401-5014
Document Number	0000040206
Book / Page	5052 / 596
Instrument Date	Jun 30, 2026
Instrument	202640206
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FLORIDA TITLE, FLORIDA OPEN TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144,935.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000040207,
Date	Jul 2, 2026
Instrument	202640207

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000040208,
Date	Jul 2, 2026
Book Page	5052/620
Instrument	202640208

Lender

Name	BAY COUNTY BOARD COMMISSIONERS

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2808 E 12TH ST, PANAMA CITY, FL 32401-5014
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2808 E 12TH ST, PANAMA CITY, FL 32401-5014

Mortgage

Document Number	0046501613
Date	Jan 24, 2023
Book Page	4650/1613
Instrument	2023004245

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 20, 2020
Property Address	2808 E 12TH ST, PANAMA CITY, FL 32401-5014
Document Number	0042531817
Book / Page	004253 / 001817
Instrument Date	May 20, 2020
Instrument	32997
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2608 12TH ST E PANAMA CITY FL 32401, PANAMA CITY, FL 32401

Mortgage

Document Number	42531819
Date	May 20, 2020
Book Page	004253/001819
Instrument	32998

Lender

Name	ALFIERI VICTOR TRUST (RT)
Address	418 CAMELLIA AVE, CALLAWAY, FL 32404-6001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 19, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 2808 E 12th St was $462 with a homeowner's exemption, up 2.4% 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	$462.00 (+2.44%) Homeowner's exemption	$71,263	$140,260 Land $39,600 Building $100,660
2024	$451.00 (+0.89%)
2023	$447.00 (+8.5%) Homeowner's exemption	$67,238 (+3%)	$75,927 (+13.56%) Land $27,126 Building $48,801
2022	$412.00 Homeowner's exemption	$65,280	$66,858 Land $20,790 Building $46,068

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2808 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 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 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	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 2808 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 Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 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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