Bay County property record for 2823 E 16th St, Panama City, FL 32405
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,976 sqft · built 1994 |
| Lot Size | 0.639 acres (27,835 sqft) |
| Owner | Owner Name on File |
| Last Sale | $75,000 (Jul 2004) |
| Tax Bill | $382 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14876-000-000 |
| Primary APN | 14876-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,976 sqft Heated Area |
| Gross Area | 1,992 sqft |
| 1st Floor Area | 1,976 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 27,835 sqft (0.639 acres) |
| Lot Dimensions | 223 ft deep x 125 ft wide |
| Garage Type | Detached |
| Porch | Porch |
|---|---|
| Porch Area | 16 sqft |
| Deck Area | 216 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2823 E 16TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6330 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | 35 3S 14W -59- 117C3- BEG 941' E & 861' N OF SW COR TH N 223' E 125' S 223' W 125' |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 1200 |
The current owner of 2823 E 16th St bought it in July 2004.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2823 E 16TH ST, PANAMA CITY, FL 32405-6330 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2004 · Amount on File |
| Deed Sale | Jul 20, 2004 · Amount on File |
| Prior Sale | May 25, 2004 · Amount on File |
| Deed Document Number | 2004-056014 |
| Deed Book / Page | 2475 / 1969 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2823 E 16th St was $382 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $382.00 Homeowner's exemption | $63,667 | $88,441 Land $53,819 Building $34,622 |
| 2023 | $408.00 (+9.09%) Homeowner's exemption | $60,071 (+3%) | $79,341 (+12.59%) Land $43,600 Building $35,741 |
| 2022 | $374.00 Homeowner's exemption | $58,321 | $70,472 Land $35,152 Building $35,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2823 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 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 |
|
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 risk around 2823 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 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.
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 |
| 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.
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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