2811 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2811 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,213 sqft · built 1995
Lot Size	0.149 acres (6,497 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Sep 2021)
Tax Bill	$1,790 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14876-504-000`

Property Details

APN / Parcel Number

Primary APN	`14876-504-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,213 sqft Living Area
Gross Area	1,473 sqft
1st Floor Area	1,213 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,497 sqft (0.149 acres)
Garage Type	Attached
Garage Area	260 sqft
Driveway	Driveway
Driveway Area	720 sqft
Porch	Open Porch
Porch Area	140 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2811 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 4 ORB 4464 P 1330
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	PINE TREE PLACE
Legal Lot Number	4
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2811 E 17th St is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 13, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 31, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 24, 2021	Warranty Deed, Transfer · FHA Mortgage BANCORPSOUTH BANK
Apr 12, 2018	Warranty Deed, Transfer FLORIDA COASTAL CLOSING AND ESCR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Prior Sale	Apr 12, 2018 · Amount on File
Deed Document Number	202173157
Deed Book / Page	4464 / 1330
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	0049561605
Date	Sep 25, 2025
Book Page	4956/1605
Instrument	2025055646

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Oct 1, 2051

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206
Transaction Type	Mortgage
Record Updated	Mar 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	0047730824
Date	Feb 13, 2024
Book Page	4773/824
Instrument	2024008016

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Oct 1, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	0047150498
Date	Jul 31, 2023
Book Page	4715/498
Instrument	2023047930

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 24, 2021
Property Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0044641330
Book / Page	4464 / 1330
Map Reference	MB 16 PG 44&45
Instrument Date	Sep 17, 2021
Instrument	2021073157
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20565 NE LEE FARM RD, 20565, BLOUNTSTOWN, FL 32424-4151

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 MACK LEWIS DR, PANAMA CITY, FL 32401-1784

Mortgage

Document Number	44641332
Date	Sep 24, 2021
Instrument	4464/1332

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Mortgage

Document Number	0044641343
Date	Sep 24, 2021
Book Page	4464/1343
Instrument	2021073159

Lender

Name	BAY COUNTY BOARD OF COMMISSIONERS
Type	Government Agency
Address	PANAMA CITY, FL 32405

Agreement

Amount	Amount on Record

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 12, 2018
Property Address	2811 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0039972355
Book / Page	003997 / 002355
Instrument Date	Apr 11, 2018
Instrument	21538
Transaction Type	Transfer
Record Updated	Apr 30, 2018
Title Company	FLORIDA COASTAL CLOSING AND ESCR

Transaction

Amount	Amount on Record
Tax	$798.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20565 NE LEE FARM RD BLOUNTSTOWN FL 324244151, BLOUNTSTOWN, FL 32424-4151

Tax Assessment & Valuation

The 2025 property tax bill for 2811 E 17th St was $1,790 with a homeowner's exemption, up 1.3% 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	$1,790.00 (+1.3%) Homeowner's exemption	$184,347	$195,486 Land $42,217 Building $153,269
2024	$1,767.00 (+2.2%)
2023	$1,729.00 (-6.49%) Homeowner's exemption	$173,935 (+10.99%) Land $32,718 Building $141,217	$173,935 (+10.99%) Land $32,718 Building $141,217
2022	$1,849.00	$156,715 Land $26,071 Building $130,644	$156,715 Land $26,071 Building $130,644

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

Flood

FEMA maps place 2811 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 2811 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.

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