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2823 E 11th St, Panama City, FL 32401 Property Records

Bay County property record for 2823 E 11th St, Panama City, FL 32401

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,456 sqft · built 2022
Lot Size0.462 acres (20,124 sqft)
OwnerIndividual Name on File
Last Sale$34,457 (Aug 2022)
Tax Bill$1,437 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Dec 2021 Sale
Flood ZoneZone X (minimal risk)
APN15231-010-000

Property Details

APN / Parcel Number

Primary APN15231-010-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,456 sqft Living Area
1st Floor Area1,456 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area20,124 sqft (0.462 acres)
Lot Dimensions115 ft deep x 175 ft wide
Deck Area200 sqft
Patio Area200 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2823 E 11TH ST
CityPANAMA CITY
StateFL
Zip32401-5120
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeR2
Legal Description2 4S 14W -47.3- 118B2 COM SW COR S1/2 OF SE1/4 OF SW1/4 OF NW1/4 TH E 260 N 50 TO N R/W 11TH ST AND POB TH N 115 E 175 S 115 W 175 TO POB ORB 4595 P 1179
Legal Range14W
Legal Township04S
Legal Section02
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1046
Census Tract1200

Owner

2823 E 11th St, a mobile home, is owned and occupied by an individual who bought it in August 2022.

Source: Bay County records, as of January 5, 2026

Owner of RecordIndividual Name on File
Mailing Address2823 E 11TH ST, PANAMA CITY, FL 32401-5120
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 5, 2022Warranty Deed, Subdivision Related Transfer · FHA Mortgage
VANDERBILT MORTGAGE & FINANCE INC
Dec 1, 2021Warranty Deed, Transfer
MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 5, 2022 · Amount on File
Deed SaleAug 5, 2022 · Amount on File
Prior SaleDec 1, 2021 · Amount on File
Deed Document Number202257922
Deed Book / Page4595 / 1179
Prior Transfer DateJul 25, 2014
Prior Transfer Doc0036261392
Record UpdatedJun 8, 2026

August 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 5, 2022
Property Address2823 E 11TH ST, PANAMA CITY, FL 32401-5120
Document Number0045951179
Book / Page4595 / 1179
Instrument DateAug 3, 2022
Instrument2022057922
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 15, 2024
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount on Record
Tax$241.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address500 CLAYTON RD, MARYVILLE, TN 37804

Transferred To (Grantee/Buyer)

NameVerified Name
Address2823 E 11TH ST, PANAMA CITY, FL 32401-5120

Mortgage

Document Number0045951181
DateAug 5, 2022
Instrument4595/1181
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 1, 2021
Property Address2823 E 11TH ST, PANAMA CITY, FL 32401-5120
Document Number0044930350
Book / Page4493 / 350
Instrument DateNov 19, 2021
Instrument2021091252
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount on Record
Tax$234.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2823 E 11TH ST, PANAMA CITY, FL 32401-5120

Transferred To (Grantee/Buyer)

NameVerified Name
Address500 CLAYTON ROAD, MARYVILLE, TN 37804
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2823 E 11th St was $1,437 with a homeowner's exemption, up 0.8% 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$1,437.00 (+0.84%) Homeowner's exemption$155,808$196,642 Land $63,700 Building $132,942
2024$1,425.00 (+2.44%)
2023$1,391.00 (+260.36%) Homeowner's exemption$147,007 (+339.59%) Land $43,634 Building $103,373$147,007 (+339.59%) Land $43,634 Building $103,373
2022$386.00$33,442 Land $33,442$33,442 Land $33,442

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

Flood

FEMA maps place 2823 E 11th St in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 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 2823 E 11th 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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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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