2900 E 13th Ct, Panama City, FL 32401 Property Records

Bay County property record for 2900 E 13th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,225 sqft · built 1974
Lot Size	0.183 acres (8,015 sqft)
Owner	Owner Name on File
Last Sale	$51,400 (Aug 2004)
Tax Bill	$575 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15223-030-000`

Property Details

APN / Parcel Number

Primary APN	`15223-030-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,225 sqft Heated Area
Gross Area	1,855 sqft
1st Floor Area	1,225 sqft
2nd Floor Area	480 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1980
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,015 sqft (0.183 acres)
Lot Dimensions	115 ft deep x 70 ft wide
Garage Area	454 sqft
Porch	Porch
Porch Area	80 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2900 E 13TH CT
City	PANAMA CITY
State	FL
Zip	32401-5020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 4S 14W -4.8- 118B2 BEG 545' W & 70' N OF SE COR OF SW1/4 OF NE1/4 OF NW1/4 TH
Legal Range	14W
Legal Township	04S
Legal Section	02
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1030
Census Tract	1200

Owner

The current owner of 2900 E 13th Ct bought it in August 2004.

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

Owner of Record	Owner Name on File
Mailing Address	2900 E 13TH CT, PANAMA CITY, FL 32401-5020
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Aug 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2004 · Amount on File
Deed Sale	Aug 16, 2004 · Amount on File
Deed Document Number	2004-063570
Deed Book / Page	2488 / 2138
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2900 E 13TH CT, PANAMA CITY, FL 32401-5020
Transaction Type	Mortgage
Record Updated	Oct 20, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2900 E 13TH CT, PANAMA CITY, FL 32401-5020

Mortgage

Document Number	0047330930
Date	Sep 22, 2023
Book Page	4733/930
Instrument	2023060378

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2038

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2900 E 13TH CT, PANAMA CITY, FL 32401-5020
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2900 E 13TH CT, PANAMA CITY, FL 32401-5020

Mortgage

Document Number	0046000969
Date	Aug 18, 2022
Book Page	4600/969
Instrument	2022061432

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2900 E 13th Ct was $575 with a homeowner's exemption.

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	$575.00 Homeowner's exemption	$86,142	$129,794 Land $25,480 Building $104,314
2023	$568.00 (+11.15%) Homeowner's exemption	$81,276 (+3%)	$96,735 (+13.34%) Land $17,453 Building $79,282
2022	$511.00 Homeowner's exemption	$78,909	$85,353 Land $13,377 Building $71,976

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

Flood

FEMA maps place 2900 E 13th Ct in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

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 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 2900 E 13th Ct is low, with a 0.05% annual chance of 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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