2809 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2809 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,198 sqft · built 1997
Lot Size	0.149 acres (6,495 sqft)
Owner	Individual Name on File
Last Sale	$109,000 (May 2013)
Tax Bill	$1,771 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14876-503-000`

Property Details

APN / Parcel Number

Primary APN	`14876-503-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,198 sqft Living Area
Gross Area	1,478 sqft
1st Floor Area	1,198 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,495 sqft (0.149 acres)
Garage Type	Attached
Garage Area	280 sqft
Driveway	Driveway
Driveway Area	672 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	172 sqft
Patio Area	84 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2809 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 3 ORB 3513 P 972
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	PINE TREE PLACE
Legal Lot Number	3
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2809 E 17th St is owned by an individual who bought it in May 2013.

Source: Bay County records, as of August 26, 2026

Owner of Record	Individual Name on File
Mailing Address	7900 TURIN RD, ROME, NY 13440-1900
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2013 · Amount on File
Deed Sale	May 23, 2013 · Amount on File
Prior Sale	Jan 26, 2010 · Amount on File
Deed Document Number	201329829
Deed Book / Page	3513 / 972
Prior Transfer Date	Dec 23, 2009
Prior Transfer Doc	0032150371
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2809 E 17TH ST, PANAMA CITY, FL 32405-7206
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044940031
Date	Dec 2, 2021
Book Page	4494/31
Instrument	2021091682

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2809 E 17th St was $1,771, up 4.4% 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	$1,771.00 (+4.36%)	$139,787	$147,538 Land $42,217 Building $105,321
2024	$1,697.00 (+8.43%)
2023	$1,565.00 (+19.19%)	$129,942 (+11.86%) Land $32,718 Building $97,224	$129,942 (+11.86%) Land $32,718 Building $97,224
2022	$1,313.00	$116,170 Land $26,071 Building $90,099	$116,170 Land $26,071 Building $90,099

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

Flood

FEMA maps place 2809 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 2809 E 17th St is low, with a 0.03% 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	0.03% 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.

Nearby Properties on E 17th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures