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2913 E 16th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2913 E 16th Ct, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,424 sqft · built 2017
Lot Size0.219 acres (9,540 sqft)
OwnerIndividual Name on Record
Last Sale$197,500 (Nov 2017)
Tax Bill$1,665 (2025)
Deeds & MortgagesNov 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN14889-050-000

Property Details

APN / Parcel Number

Primary APN14889-050-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,424 sqft Heated Area
Gross Area2,044 sqft
1st Floor Area1,424 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area9,540 sqft (0.219 acres)
Lot Dimensions147 ft deep x 65 ft wide
Garage Area420 sqft
DrivewayDriveway
Driveway Area544 sqft

Exterior Amenities

PorchPorch
Porch Area200 sqft
FenceFence
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2913 E 16TH CT
CityPANAMA CITY
StateFL
Zip32405-7403
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCEDAR GROVE HEIGHTS LOT 9 BLK B ORB 3958 P 1844
Legal Range14W
Legal Township03S
Legal Section35
Legal SubdivisionCEDAR GROVE HEIGHTS
Legal BlockB
Legal Lot Number9
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2007
Census Tract1200

Owner

Source: Bay County records, as of January 23, 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 RecordIndividual Name on Record
Mailing Address2913 E 16TH CT, PANAMA CITY, FL 32405-7403
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 29, 2017 · Amount on Record
Deed SaleNov 29, 2017 · Amount on Record
Deed Document Number2017068749
Deed Book / Page3958 / 1844
Record UpdatedJun 8, 2026

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateNov 29, 2017
Property Address2913 E 16TH CT, PANAMA CITY, FL 32405-7403
Document Number0039581844
Book / Page003958 / 001844
Instrument DateNov 27, 2017
Instrument68749
Transaction TypeTransfer
Record UpdatedDec 12, 2017
Title CompanyCORNERSTONE TITLE INSURANCE AGENCY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,382.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2913 E 16TH CT PANAMA CITY FL 324057403, PANAMA CITY, FL 32405-7403

Mortgage

Document Number39581846
DateNov 29, 2017
Book Page003958/001846
Instrument68750
Lender
NameUSAA
Address0554, TX 78288-2544
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 28, 2047

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,665.00 (+7.21%) Homeowner's exemption$174,216 (+8.93%)$251,285 (+11.21%) Land $25,418 Building $225,867
2023$1,553.00 (+11.49%) Homeowner's exemption$159,938 (+3%)$225,965 (+9.8%) Land $20,592 Building $205,373
2022$1,393.00 Homeowner's exemption$155,280$205,796 Land $16,602 Building $189,194

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 40 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 in force
Nearby Flood Claims9 (2018–2020)
Claims Outside the SFHA8 of 9
Most Recent ClaimSep 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

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemBAY COUNTY WATER SYSTEM
serves 40,848 people · EPA ID FL1030050
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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