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2822 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 2822 E 16th St, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,389 sqft · built 1978
Lot Size0.521 acres (22,738 sqft)
OwnerIndividual Name on File
Last Sale$59,000 (Jun 2011)
Tax Bill$1,141 (2025)
Deeds & MortgagesAug 2020 Mortgage
Apr 2017 Sale
Flood ZoneZone X (minimal risk)
APN14875-010-000

Property Details

APN / Parcel Number

Primary APN14875-010-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,389 sqft Heated Area
Gross Area2,006 sqft
1st Floor Area1,389 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area22,738 sqft (0.521 acres)
Lot Dimensions223 ft deep x 102 ft wide
Garage Area575 sqft
DrivewayDriveway
Driveway Area1,300 sqft

Exterior Amenities

PorchPorch
Porch Area42 sqft
Patio Area120 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2822 E 16TH ST
CityPANAMA CITY
StateFL
Zip32405-6331
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description35 3S 14W -58.1- BEG 941' E & 638' N OF SW COR TH E 102' N 223' W 102' S 223'
Legal Range14W
Legal Township03S
Legal Section35
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2011
Census Tract1200

Owner

2822 E 16th St is owned and occupied by an individual who acquired it in April 2017.

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

Owner of RecordIndividual Name on File
Mailing Address2822 E 16TH ST, PANAMA CITY, FL 32405-6331
OccupancyOwner Occupied
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
Aug 4, 2020Deed of Trust, Mortgage · Conventional Mortgage
MARILYN K STRONG
Apr 11, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 28, 2011 · Amount on File
Deed SaleJun 28, 2011 · Amount on File
Prior SaleJun 28, 2011 · Amount on File
Deed Document Number0033321856
Deed Book / Page3332 / 1856
Last Transfer DateApr 11, 2017
Transfer Doc0038901498
Record UpdatedJun 8, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address2822 E 16TH ST, PANAMA CITY, FL 32405-6331
Document Number0042821821
Instrument DateAug 4, 2020
Transaction TypeMortgage
Record UpdatedSep 1, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address2822 E 16TH ST PANAMA CITY FL 324056331, PANAMA CITY, FL 32405-6331

Mortgage

Document Number0042821821
DateAug 4, 2020
Book Page004282/001821
Instrument50910
Lender
NameMARILYN K STRONG
Address6179 FALCON LAIR DR, NORTH PORT, FL 34287-2277
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term36 Months
DueAug 3, 2023

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 11, 2017
Property Address2822 E 16TH ST, PANAMA CITY, FL 32405-6331
Document Number0038901498
Book / Page003890 / 001498
Instrument DateApr 11, 2017
Instrument20087
Transaction TypeTransfer
Record UpdatedMay 24, 2017
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address219 N BAY CT LYNN HAVEN FL 324443060, LYNN HAVEN, FL 32444-3060

Tax Assessment & Valuation

The 2025 property tax bill for 2822 E 16th St was $1,141 with a homeowner's exemption.

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$1,141.00 Homeowner's exemption$131,909$177,555 Land $43,916 Building $133,639
2023$1,149.00 (+11.01%) Homeowner's exemption$124,457 (+3%)$162,853 (+10.62%) Land $35,577 Building $127,276
2022$1,035.00 Homeowner's exemption$120,832$147,220 Land $28,684 Building $118,536

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

Flood

FEMA maps place 2822 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 2822 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.

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