2905 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2905 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,565 sqft · built 1957
Lot Size	0.335 acres (14,593 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (May 2020)
Tax Bill	$1,186 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14894-000-000`

Property Details

APN / Parcel Number

Primary APN	`14894-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,565 sqft Heated Area
Gross Area	2,032 sqft
1st Floor Area	1,565 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	14,593 sqft (0.335 acres)
Lot Dimensions	203 ft deep x 72 ft wide
Porch	Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant

Location & Zoning

Street Address	2905 E 17TH ST
City	PANAMA CITY
State	FL
Zip	32405-7404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR GROVE HEIGHTS MAP-117C3- LOT 4 BLK C ORB 4254 P 1772
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR GROVE HEIGHTS
Legal Block	C
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2905 E 17th St is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2905 E 17TH ST, PANAMA CITY, FL 32405-7404
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	Name on Deed
Last Sale	May 22, 2020 · Amount on File
Deed Sale	May 22, 2020 · Amount on File
Deed Document Number	0042541772
Deed Book / Page	4254 / 1772
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 22, 2020
Property Address	2905 E 17TH ST, PANAMA CITY, FL 32405-7404
Document Number	0042541772
Book / Page	4254 / 1772
Map Reference	MB 8 PG 9
Instrument Date	May 22, 2020
Instrument	2020033644
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1613 GAINER AVE, 1613, PANAMA CITY, FL 32405-7408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 E 17TH ST, PANAMA CITY, FL 32405-7404
Investor	Possibly a Property Investor

Mortgage

Document Number	0042541774
Date	May 22, 2020
Instrument	4254/1774

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2905 E 17th St was $1,186 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	$1,186.00 Homeowner's exemption	$135,483	$158,738 Land $30,715 Building $128,023
2023	$1,144.00 (+11.39%) Homeowner's exemption	$127,286 (+3%)	$140,957 (+11.78%) Land $24,883 Building $116,074
2022	$1,027.00 Homeowner's exemption	$123,579	$126,105 Land $20,062 Building $106,043

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

Flood

FEMA maps place 2905 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 2905 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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