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2820 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 2820 E 12th St, Panama City, FL 32401

Property Summary

Property TypeMobile Home
Details2 bd · 2 ba · 924 sqft · built 1995
Lot Size0.249 acres (10,846 sqft)
Owner2 Individual Names on File
Tax Bill$604 (2025)
Deeds & MortgagesMar 2021 Transfer
Jan 2018 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN15246-000-000

Property Details

APN / Parcel Number

Primary APN15246-000-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area924 sqft Living Area
1st Floor Area924 sqft
FlooringVinyl/Resilient
Interior WallsPlywood

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Architectural StyleMobile Home
Exterior MaterialMetal
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,846 sqft (0.249 acres)
Lot Dimensions145 ft deep x 75 ft wide
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2820 E 12TH ST
CityPANAMA CITY
StateFL
Zip32401-5014
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeR2
Legal Description2 4S 14W -61- 118B2 BEG 225 E OF SW COR OF NE1/4 OF SW1/4 OF NW1/4 TH E 75 N 165 W 75 S 165 TO POB LESS N 20 FOR ST R/W ORB 4372 P 1863
Legal Range14W
Legal Township04S
Legal Section02
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1046
Census Tract1200

Owner

2820 E 12th St, a mobile home, is owned by two individuals who acquired it in November 2024.

Source: Bay County records, as of January 30, 2026

Owner of Record2 Individual Names on File
Mailing Address2703 B M WARD RD, WESTVILLE, FL 32464
Owner TypeIndividual
VestingJoint Tenants

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
Mar 8, 2021Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION
Jan 22, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Jun 29, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateNov 8, 2024
Transfer Doc0048580589
Record UpdatedSep 20, 2026

March 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateMar 8, 2021
Property Address2820 E 12TH ST, PANAMA CITY, FL 32401-5014
Document Number0043721863
Book / Page4372 / 1863
Instrument DateMar 8, 2021
Instrument2021016318
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6928 HOLLY ST, 6928, PANAMA CITY, FL 32404-5516

Transferred To (Grantee/Buyer)

NameVerified Name
Address2820 E 12TH ST, PANAMA CITY, FL 32401-5014

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJan 22, 2018
Property Address2820 E 12TH ST, PANAMA CITY, FL 32401-5014
Document Number0039730552
Book / Page003973 / 000552
Instrument DateJan 4, 2018
Instrument4070
Transaction TypeTransfer
Record UpdatedFeb 9, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6928 HOLLY ST PANAMA CITY FL 324045516, PANAMA CITY, FL 32404-5516

June 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJun 29, 2017
Property Address2820 E 12TH ST, PANAMA CITY, FL 32401-5014
Document Number0039131871
Book / Page003913 / 001871
Instrument DateJun 22, 2017
Instrument36791
Transaction TypeTransfer
Record UpdatedAug 8, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6928 HOLLY ST PANAMA CITY FL 324045516, PANAMA CITY, FL 32404-5516

Tax Assessment & Valuation

The 2025 property tax bill for 2820 E 12th St was $604, up 1,41% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$604.00 (+1,41%)$48,815 Land $29,700 Building $19,115$48,815 Land $29,700 Building $19,115
2024$40.00
2023$40.00 Homeowner's exemption Widower's exemption$26,965 (+3.38%)$34,905 (+33.82%) Land $20,344 Building $14,561
2022$40.00 Homeowner's exemption Widower's exemption$26,083 Land $15,592 Building $10,491$26,083 Land $15,592 Building $10,491

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

Flood

FEMA maps place 2820 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 2820 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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