Bay County property record for 2909 E 11th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,140 sqft · built 2010 |
| Lot Size | 0.333 acres (14,508 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Mar 2017) |
| Tax Bill | $961 (2022) |
| Deeds & Mortgages | Mar 2017 Sale Oct 2014 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15337-010-000 |
| Primary APN | 15337-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Heated Area |
| Gross Area | 1,375 sqft |
| 1st Floor Area | 1,140 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Wood Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,508 sqft (0.333 acres) |
| Lot Dimensions | 150 ft deep x 61 ft wide |
| Porch | Porch |
| Porch Area | 235 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2909 E 11TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W -145.1- 118B2 COM SW COR OF SE1/4 OF NW1/4 E 139' FOR POB TH CONT E 61' N |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 1200 |
2909 E 11th St is owned by an individual who acquired it in June 2022.
Source: Bay County records, as of November 6, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2300 CANAL ST, LYNN HAVEN, FL 32444-8332 |
| 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.
| Date | Document |
|---|---|
| Mar 10, 2017 | Grant Deed, Transfer NOT AVAILABLE |
| Oct 20, 2014 | Deed of Trust PAUL W & ALICE V COOLEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2017 · Amount on File |
| Deed Sale | Mar 10, 2017 · Amount on File |
| Prior Sale | Dec 8, 2014 · Amount on File |
| Deed Document Number | 0038802346 |
| Deed Book / Page | 003880 / 002346 |
| Last Transfer Date | Jun 2, 2022 |
| Transfer Doc | 0045712078 |
| Record Updated | Jun 7, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 10, 2017 |
| Property Address | 2909 E 11TH ST, PANAMA CITY, FL 32401-5121 |
| Document Number | 0038802346 |
| Book / Page | 003880 / 002346 |
| Instrument Date | Oct 20, 2014 |
| Instrument | 13317 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,170.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2909 11ST ST E PANAMA CITY BEACH FL 32401, PANAMA CITY BEACH, FL 32401 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2909 E 11TH ST, PANAMA CITY, FL 32401-5121 |
| Document Number | 0038802347 |
| Instrument Date | Oct 20, 2014 |
| Record Updated | May 15, 2017 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 466 WAHOO RD #27794 PANAMA CITY BEACH FL 324087288, 27794, PANAMA CITY BEACH, FL 32408-7288 |
| Document Number | 0038802347 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 003880/002347 |
| Instrument | 13318 |
| Name | PAUL W & ALICE V COOLEY |
|---|---|
| Address | 2300 CANAL ST, LYNN HAVEN, FL 32444-8332 |
| Amount | Amount on Record |
|---|
Source: Bay County assessment roll, as of July 1, 2022
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | $961.00 | $89,517 Land $47,184 Building $42,333 | $89,517 Land $47,184 Building $42,333 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2909 E 11th St 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 |
|
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 risk around 2909 E 11th St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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