Bay County property record for 2911 E 16th Ct, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 851 sqft · built 1960 |
| Lot Size | 0.378 acres (16,465 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $62,000 (Oct 2014) |
| Tax Bill | $375 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14891-000-000 |
| Primary APN | 14891-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 851 sqft Living Area |
| 1st Floor Area | 851 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 16,465 sqft (0.378 acres) |
| Lot Dimensions | 170 ft deep x 97 ft wide |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Porch | Open Porch |
| Porch Area | 28 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2911 E 16TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-7403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CEDAR GROVE HEIGHTS (10.1) LOT 10 & E 1/2 LOT 11 BLK B ORB 3646 P 352 MAP-117C3- |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | CEDAR GROVE HEIGHTS |
| Legal Block | B |
| Legal Lot Number | 10,11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 1200 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2911 E 16TH CT, PANAMA CITY, FL 32405-7403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2014 · Amount on Record |
| Deed Sale | Oct 9, 2014 · Amount on Record |
| Prior Sale | Nov 26, 2013 · Amount on Record |
| Deed Document Number | 201453823 |
| Deed Book / Page | 3646 / 352 |
| Prior Transfer Date | Oct 3, 2014 |
| Prior Transfer Doc | 0036460352 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2911 E 16TH CT, PANAMA CITY, FL 32405-7403 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2911 E 16TH CT, PANAMA CITY, FL 32405-7403 |
| Document Number | 0044972378 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | 4497/2378 |
| Instrument | 2021094135 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $375.00 (-7.41%) Homeowner's exemption | $62,418 (+5.99%) | $102,094 (+15.44%) Land $39,848 Building $62,246 |
| 2024 | $405.00 (+1%) | ||
| 2023 | $401.00 (+8.97%) Homeowner's exemption | $58,892 (+3%) | $88,440 (+14.94%) Land $32,281 Building $56,159 |
| 2022 | $368.00 Homeowner's exemption | $57,177 | $76,942 Land $26,027 Building $50,915 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
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 |
| 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.
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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