2826 E 13th St, Panama City, FL 32401 Property Records

Bay County property record for 2826 E 13th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,071 sqft · built 1940
Lot Size	0.805 acres (35,065 sqft)
Owner	Company Name on Record
Last Sale	$52,500 (Jan 2023)
Tax Bill	$1,670 (2025)
Deeds & Mortgages	Jan 2023 Sale & Line of Credit Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15236-000-000`

Property Details

APN / Parcel Number

Primary APN	`15236-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,071 sqft Living Area
1st Floor Area	1,071 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	35,065 sqft (0.805 acres)
Lot Dimensions	300 ft deep x 117 ft wide
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Driveway	Driveway
Porch	Enclosed/Unfinished Porch
Porch Area	246 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2826 E 13TH ST
City	PANAMA CITY
State	FL
Zip	32401-5018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	2 4S 14W -51- 118B2 BEG 132 W OF NE COR OF SW1/4 OF NW1/4 TH W 117 S 148 W 15 S 132 E 132 N 280 TO POB ORB 4649 P 175
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

Source: Bay County records, as of April 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	6800 BIRD RD, MIAMI, FL 33155-3708
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Special Warranty Deed, Transfer · Line of Credit INNOVATIONS FCU
Oct 3, 2022	Deed of Trust, Mortgage LAZARO LOPEZ
Apr 25, 2022	Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2023 · Amount on Record
Deed Sale	Jan 18, 2023 · Amount on Record
Prior Sale	Apr 25, 2022 · Amount on Record
Deed Document Number	20233031
Deed Book / Page	4649 / 175
Prior Transfer Date	Mar 31, 2010
Prior Transfer Doc	0032301940
Record Updated	Oct 29, 2026

January 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 18, 2023
Property Address	2826 E 13TH ST, PANAMA CITY, FL 32401-5018
Document Number	0046490175
Book / Page	4649 / 175
Instrument Date	Jan 17, 2023
Instrument	2023003031
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount Recorded
Tax	$367.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6800 BIRD RD # 454, 454, MIAMI, FL 33155-3708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6800 BIRD RD # 454, 454, MIAMI, FL 33155-3708

Mortgage

Document Number	0046490177
Date	Jan 18, 2023
Book Page	4649/177
Instrument	2023003032

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2826 E 13TH ST, PANAMA CITY, FL 32401-5018
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 W 23RD ST 286, 286, PANAMA CITY, FL 32405-3922

Mortgage

Document Number	0046161151
Date	Oct 3, 2022
Book Page	4616/1151
Instrument	2022072547

Lender

Name	LAZARO LOPEZ
Type	Private Party
Address	7770 SW 95TH ST, MIAMI, FL 33156

Agreement

Amount	Amount Recorded
Term	23 Months
Due	Sep 20, 2024

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Apr 25, 2022
Property Address	2826 E 13TH ST, PANAMA CITY, FL 32401-5018
Document Number	0045550131
Book / Page	4555 / 131
Instrument Date	Apr 20, 2022
Instrument	2022030791
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$932.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1534 OAK AVE, 1534, PANAMA CITY, FL 32405-4625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 W 23RD ST # 286, 286, PANAMA CITY, FL 32405-3922

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$1,670.00 (+3.28%)	$135,041 (+23.35%) Land $53,352 Building $81,689	$135,041 (+23.35%) Land $53,352 Building $81,689
2024	$1,617.00 (+14.6%)
2023	$1,411.00 (+133.22%)	$109,482 (+123.65%) Land $36,546 Building $72,936	$109,482 (+123.65%) Land $36,546 Building $72,936
2022	$605.00	$48,953 Land $28,009 Building $20,944	$48,953 Land $28,009 Building $20,944

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 193 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	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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