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2817 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 2817 E 16th St, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,621 sqft · built 2024
Lot Size0.276 acres (12,066 sqft)
OwnerIndividual Name on File
Last Sale$320,000 (Jun 2025)
Tax Bill$3,578 (2025)
Deeds & MortgagesJun 2025 Sale
Feb 2024 Sale
Flood ZoneZone X (minimal risk)
APN14864-002-020

Property Details

APN / Parcel Number

Primary APN14864-002-020

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,621 sqft Heated Area
Gross Area2,212 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area12,066 sqft (0.276 acres)
Lot Dimensions198 ft deep x 61 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2817 E 16TH ST
CityPANAMA CITY
StateFL
Zip32405-6330
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description35 3S 14W -49.2- 117C3- BEG 336.04' E 886' N & 481.64' E OF SW COR OF SEC TH E 61.30'
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2011
Census Tract1200

Owner

2817 E 16th St is owned by an individual who bought it in June 2025.

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

Owner of RecordIndividual Name on File
Mailing Address130 QUEENS CIR, PANAMA CITY, FL 32405-1946
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
Jun 2, 2025Warranty Deed, Subdivision Related Transfer
SOUTH OAK TITLE LLC, SOUTH OAK TITLE
Feb 8, 2024Warranty Deed, Transfer
UNKNOWN, BURG TITLE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 2, 2025 · Amount on File
Deed SaleJun 2, 2025 · Amount on File
Prior SaleFeb 8, 2024 · Amount on File
Deed Document Number2025030396
Deed Book / Page4918 / 902
Record UpdatedJun 8, 2026

June 2025: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 2, 2025
Property Address2817 E 16TH ST, PANAMA CITY, FL 32405-6330
Document Number0049180902
Book / Page4918 / 902
Instrument DateMay 30, 2025
Instrument2025030396
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 26, 2026
Title CompanySOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

AmountAmount on Record
Tax$2,240.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1750 FRANKFORD AVE, PANAMA CITY, FL 32405-2656

Transferred To (Grantee/Buyer)

NameVerified Name
Address130 QUEENS CIR, PANAMA CITY, FL 32405-1946
InvestorPossibly a Property Investor

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateFeb 8, 2024
Property Address2817 E 16TH ST, PANAMA CITY, FL 32405-6330
Document Number0047720082
Book / Page4772 / 82
Instrument DateFeb 2, 2024
Instrument2024007141
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanyUNKNOWN, BURG TITLE LLC

Transaction

AmountAmount on Record
Tax$770.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address608 WOOD TRL, PANAMA CITY, FL 32405-4490

Transferred To (Grantee/Buyer)

NameVerified Name
Address1750 FRANKFORD AVE, PANAMA CITY, FL 32405-2656
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2817 E 16th St was $3,578.

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$3,578.00$289,189 Land $26,151 Building $263,038$289,189 Land $26,151 Building $263,038
2023$248.00 (+25.89%)$21,185 (+24.03%) Land $21,185$21,185 (+24.03%) Land $21,185
2022$197.00$17,080 Land $17,080$17,080 Land $17,080

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 2817 E 16th 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 40 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 in force
Nearby Flood Claims9 (2018–2020)
Claims Outside the SFHA8 of 9
Most Recent ClaimSep 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 2817 E 16th 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.03% 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 392 locations within half a mile, as of December 31, 2025

ProviderMax 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 16th St

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