2835 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2835 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 1995
Lot Size	0.134 acres (5,817 sqft)
Owner	2 Individual Names on File
Last Sale	$222,000 (Jun 2022)
Tax Bill	$1,971 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14876-512-000`

Property Details

APN / Parcel Number

Primary APN	`14876-512-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	1,448 sqft
1st Floor Area	1,188 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	5,817 sqft (0.134 acres)
Garage Type	Attached
Garage Area	260 sqft
Driveway	Driveway
Driveway Area	800 sqft
Porch	Open Porch
Porch Area	133 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2835 E 17TH ST
City	PANAMA CITY
State	FL
Zip	32405-7206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PINE TREE PLACE UNIT #1 LOT 12 ORB 4579 P 1807
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	PINE TREE PLACE
Legal Lot Number	12
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2835 E 17th St is owned and occupied by two individuals who bought it in June 2022.

Source: Bay County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 23, 2024	Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NATIONAL BANK
Jun 23, 2022	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
Oct 3, 2018	Deed of Trust, Mortgage · Line of Credit PEOPLESSOUTH BANK
Aug 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 30, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2022 · Amount on File
Deed Sale	Jun 23, 2022 · Amount on File
Prior Sale	Aug 10, 2020 · Amount on File
Deed Document Number	202246996
Deed Book / Page	4579 / 1807
Prior Transfer Date	Jul 14, 2020
Prior Transfer Doc	0042841931
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Aug 20, 2026
Property Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0000051697
Book / Page	5070 / 919
Instrument Date	Jul 16, 2026
Instrument	202651697
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	0000051697,
Date	Aug 20, 2026
Book Page	5070/919
Instrument	202651697

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	311 Months
Due	Jul 1, 2052

Interest

Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	0047670349
Date	Jan 23, 2024
Book Page	4767/349
Instrument	2024003663

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PEARL, MS 39208

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Jul 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 23, 2022
Property Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0045791807
Book / Page	4579 / 1807
Map Reference	MB 16 PG 44
Instrument Date	Jun 21, 2022
Instrument	2022046996
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 S MACARTHUR AVE, 431, PANAMA CITY, FL 32401-3946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206

Mortgage

Document Number	0045791809
Date	Jun 23, 2022
Instrument	4579/1809

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040532055
Date	Oct 3, 2018
Book Page	4053/2055
Instrument	2018059607

Lender

Name	PEOPLESSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32404

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 3, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Aug 10, 2020
Property Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0042841931
Book / Page	004284 / 001931
Instrument Date	Jul 14, 2020
Instrument	52187
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$133.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 S MACARTHUR AVE PANAMA CITY FL 324013946, PANAMA CITY, FL 32401-3946

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Jan 30, 2017
Property Address	2835 E 17TH ST, PANAMA CITY, FL 32405-7206
Document Number	0038691949
Book / Page	003869 / 001949
Instrument Date	Jan 30, 2017
Instrument	5301
Transaction Type	Transfer
Record Updated	May 5, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2835 E 17TH ST PANAMA CITY FL 324057206, PANAMA CITY, FL 32405-7206

Tax Assessment & Valuation

The 2025 property tax bill for 2835 E 17th St was $1,971 with a homeowner's exemption, up 1.4% from the year before.

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	$1,971.00 (+1.44%) Homeowner's exemption	$198,978	$211,230 Land $42,217 Building $169,013
2024	$1,943.00 (+2.21%)
2023	$1,901.00 (+16.7%) Homeowner's exemption	$187,738 (+2.04%) Land $32,718 Building $155,020	$187,738 (+2.04%) Land $32,718 Building $155,020
2022	$1,629.00	$183,984 Land $26,071 Building $157,913	$183,984 Land $26,071 Building $157,913

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

Flood

FEMA maps place 2835 E 17th 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	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 2835 E 17th 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.

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 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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