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2812 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 2812 E 12th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,206 sqft · built 1956
Lot Size0.283 acres (12,371 sqft)
OwnerIndividual Name on File
Last Sale$13,000 (May 2019)
Tax Bill$1,126 (2025)
Deeds & MortgagesMay 2019 Sale
May 2019 Sale
Flood ZoneZone X (minimal risk)
APN15244-000-000

Property Details

APN / Parcel Number

Primary APN15244-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,206 sqft Heated Area
Gross Area1,466 sqft
1st Floor Area1,206 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1976
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area12,371 sqft (0.283 acres)
Lot Dimensions165 ft deep x 75 ft wide
Garage Area260 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2812 E 12TH ST
CityPANAMA CITY
StateFL
Zip32401-5014
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description2 4S 14W -59- BEG 150' E OF SW COR OF NE1/4 OF SW1/4 OF NW1/4 TH N 165'
Legal Range14W
Legal Township04S
Legal Section02
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1046
Census Tract1200

Owner

2812 E 12th St is owned by an individual who bought it in May 2019.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Mailing Address1807 GEORGIA CT, LYNN HAVEN, FL 32444-4230
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
May 7, 2019Warranty Deed, Transfer
H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC
May 7, 2019Warranty Deed, Transfer
H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 7, 2019 · Amount on File
Deed SaleMay 7, 2019 · Amount on File
Prior SaleMay 7, 2019 · Amount on File
Deed Document Number2019044548
Deed Book / Page4120 / 1170
Record UpdatedJun 8, 2026

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 7, 2019
Property Address2812 E 12TH ST, PANAMA CITY, FL 32401-5014
Document Number0041201170
Book / Page004120 / 001170
Instrument DateApr 24, 2019
Instrument44548
Transaction TypeTransfer
Record UpdatedMay 30, 2019
Title CompanyH AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1807 GEORGIA CT LYNN HAVEN FL 324444230, LYNN HAVEN, FL 32444-4230

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 7, 2019
Property Address2812 E 12TH ST, PANAMA CITY, FL 32401-5014
Document Number0041201169
Book / Page004120 / 001169
Instrument DateApr 24, 2019
Instrument44547
Transaction TypeTransfer
Record UpdatedMay 30, 2019
Title CompanyH AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11070 MEADOW LARK RD GRAND BAY AL 365416422, GRAND BAY, AL 36541-6422

Tax Assessment & Valuation

The 2025 property tax bill for 2812 E 12th St was $1,126, up 4.4% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,126.00 (+4.36%)$106,552 (+6.35%) Land $31,200 Building $75,352$106,552 (+6.35%) Land $31,200 Building $75,352
2024$1,079.00 (+15.77%)$100,194 (+27.32%) Land $29,250 Building $70,944$100,194 (+27.32%) Land $29,250 Building $70,944
2023$932.00 (+28.02%)$78,695 (+32.05%) Land $21,372 Building $57,323$78,695 (+32.05%) Land $21,372 Building $57,323
2022$728.00$59,596 Land $16,380 Building $43,216$59,596 Land $16,380 Building $43,216

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

Flood

FEMA maps place 2812 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 2812 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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