2821 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2821 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 982 sqft · built 1995
Lot Size	0.148 acres (6,485 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Apr 2022)
Tax Bill	$1,770 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14876-507-000`

Property Details

APN / Parcel Number

Primary APN	`14876-507-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	982 sqft Heated Area
Gross Area	1,686 sqft
1st Floor Area	982 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	6,485 sqft (0.148 acres)
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	540 sqft

Exterior Amenities

Porch	Porch
Porch Area	284 sqft
Fence	Fence
Shed	1 Shed
Shed Area	64 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2821 E 17TH ST
City	PANAMA CITY
State	FL
Zip	32405-7206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE TREE PLACE UNIT #1 117C3 LOT 7 ORB 4551 P 2205
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	PINE TREE PLACE UNIT #1
Legal Lot Number	7
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2821 E 17th St is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2821 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
Apr 18, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Feb 1, 2019	Warranty Deed, Transfer · VA Mortgage SUPREME LNDG
Dec 12, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2022 · Amount on File
Deed Sale	Apr 18, 2022 · Amount on File
Prior Sale	Feb 1, 2019 · Amount on File
Deed Document Number	2022028692
Deed Book / Page	4551 / 2205
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 18, 2022
Property Address	2821 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0045512205
Book / Page	4551 / 2205
Map Reference	MB 16 PG 44
Instrument Date	Apr 13, 2022
Instrument	2022028692
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41990 CLAYTON ST, 41990, CLINTON TOWNSHIP, MI 48038-1838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2821 E 17TH ST, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	0045512207
Date	Apr 18, 2022
Instrument	4551/2207

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2821 E 17TH ST, PANAMA CITY, FL 32405-7206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042771220
Date	Jul 22, 2020
Book Page	4277/1220
Instrument	2020047755

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 1, 2019
Property Address	2821 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0040851390
Book / Page	004085 / 001390
Instrument Date	Jan 31, 2019
Instrument	12564
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	FIRST INT'L TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2821 E 17TH ST PANAMA CITY FL 324057206, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	40851392
Date	Feb 1, 2019
Book Page	004085/001392
Instrument	12565

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 12, 2017
Property Address	2821 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0039621407
Book / Page	003962 / 001407
Instrument Date	Nov 27, 2017
Instrument	71409
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2821 E 17TH ST PANAMA CITY FL 324057206, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	39621409
Date	Dec 12, 2017
Book Page	003962/001409
Instrument	71410

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2821 E 17th St was $1,770 with a homeowner's exemption.

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

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	$1,770.00 Homeowner's exemption	$182,688	$193,959 Land $42,217 Building $151,742
2023	$1,709.00 (-6.71%) Homeowner's exemption	$172,368 (+11%) Land $32,718 Building $139,650	$172,368 (+11%) Land $32,718 Building $139,650
2022	$1,832.00	$155,285 Land $26,071 Building $129,214	$155,285 Land $26,071 Building $129,214

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

Flood

FEMA maps place 2821 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 2821 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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