2823 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 2823 E 12th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1955
Lot Size	0.314 acres (13,678 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jun 2017)
Tax Bill	$2,154 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15240-000-000`

Property Details

APN / Parcel Number

Primary APN	`15240-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Heated Area
Gross Area	1,852 sqft
1st Floor Area	1,260 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,678 sqft (0.314 acres)
Lot Dimensions	165 ft deep x 83 ft wide
Porch	Porch
Porch Area	192 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2823 E 12TH ST
City	PANAMA CITY
State	FL
Zip	32401-5013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 4S 14W -55- 118B2 BEG 165' N & 264' W OF SE COR OF NE1/4 OF SW1/4 OF NW1/4
Legal Range	14W
Legal Township	04S
Legal Section	02
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1044
Census Tract	1200

Owner

2823 E 12th St is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2823 E 12TH ST, PANAMA CITY, FL 32401-5013
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2017 · Amount on File
Deed Sale	Jun 6, 2017 · Amount on File
Prior Sale	Dec 14, 2016 · Amount on File
Deed Document Number	2017032216
Deed Book / Page	3907 / 0835
Record Updated	Jun 8, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 6, 2017
Property Address	2823 E 12TH ST, PANAMA CITY, FL 32401-5013
Document Number	0039070835
Book / Page	3907 / 0835
Instrument Date	Jun 5, 2017
Instrument	2017032216
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 E OLD HICKORY BLVD, 310, MADISON, TN 37115-3937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2823 E 12TH ST, PANAMA CITY, FL 32401-5013

Mortgage

Document Number	2017032217
Date	Jun 6, 2017
Instrument	2017032217

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2823 E 12th St was $2,154.

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	$2,154.00	$186,353 Land $34,528 Building $151,825	$186,353 Land $34,528 Building $151,825
2023	$1,762.00 (+19.86%)	$139,188 (+12.35%) Land $23,651 Building $115,537	$139,188 (+12.35%) Land $23,651 Building $115,537
2022	$1,470.00	$123,884 Land $18,127 Building $105,757	$123,884 Land $18,127 Building $105,757

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

Flood

FEMA maps place 2823 E 12th 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	25 (1982–2018)
Claims Outside the SFHA	20 of 25
Most Recent Claim	Oct 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 12th St is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable · Fiber in parts of the area	1,200 / 50
Verizon Fixed Wireless	300 / 20