2907 E 11th Ct, Panama City, FL 32401 Property Records

Bay County property record for 2907 E 11th Ct, Panama City, FL 32401

Property Summary

Property Type	Religious, Church, Worship (Synagogue, Temple, Parsonage)
Details	8,360 sqft · built 1977
Lot Size	2.65 acres (115,477 sqft)
Owner	Company Name on File
Tax Bill	$200 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15335-000-000`

Property Details

APN / Parcel Number

Primary APN	`15335-000-000`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	8,360 sqft Gross Area
1st Floor Area	8,360 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	115,477 sqft (2.65 acres)
Lot Dimensions	350 ft deep x 330 ft wide
Porch	Finished/Open Porch
Porch Area	273 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2907 E 11TH CT
City	PANAMA CITY
State	FL
Zip	32401-5009
Property Category	Other
Property Type	Other > Religious, Church, Worship (Synagogue, Temple, Parsonage)
Local Zoning Code	PI
Legal Description	2 4S 14W -143- 118B2 BEG NW COR OF S1/2 OF SE1/4 OF NW1/4 TH S 330 E 350 N 330 W 350 TO POB ORB 626 P 358
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

2907 E 11th Ct is owned by a company.

Source: Bay County records, as of May 26, 2026

Owner of Record	Company Name on File
Mailing Address	2907 E 11TH CT, PANAMA CITY, FL 32401-5009
Owner Type	Company
Vesting	Company

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
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 6, 2026
Property Address	2907 E 11TH CT, PANAMA CITY, FL 32401-5009
Document Number	0050311806
Book / Page	5031 / 1806
Instrument Date	May 1, 2026
Instrument	2026.27173
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	AQUA TITLE SERVICES, AQUARK TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2907 E 11TH CT, PANAMA CITY, FL 32401-5009

Mortgage

Document Number	0000027175,
Date	May 6, 2026
Book Page	5031/1810
Instrument	2026.27175

Lender

Name	STEARNS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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		$274,757 (%) Land $153,120 Building $121,637	$274,757 (%) Land $153,120 Building $121,637
2024	$200.00 Additional exemption filed	$274,763 (-1.66%) Land $153,120 Building $121,643	$274,763 (-1.66%) Land $153,120 Building $121,643
2023	$200.00 Additional exemption filed	$279,399 (-) Land $153,120 Building $126,279	$279,399 (-) Land $153,120 Building $126,279
2022	$200.00 Additional exemption filed	$279,399 Land $153,120 Building $126,279	$279,399 Land $153,120 Building $126,279

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

Flood

FEMA maps place 2907 E 11th 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 2907 E 11th Ct is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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 113 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 · Fiber in parts of the area	1,200 / 50
Verizon Fixed Wireless	300 / 20