2914 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2914 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,447 sqft · built 2017
Lot Size	0.219 acres (9,540 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Aug 2022)
Tax Bill	$2,750 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14889-010-000`

Property Details

APN / Parcel Number

Primary APN	`14889-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,447 sqft Heated Area
Gross Area	2,103 sqft
1st Floor Area	1,447 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,540 sqft (0.219 acres)
Lot Dimensions	147 ft deep x 65 ft wide
Garage Area	456 sqft
Driveway	Driveway
Driveway Area	544 sqft
Porch	Porch
Porch Area	200 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2914 E 17TH ST
City	PANAMA CITY
State	FL
Zip	32405-7405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR GROVE HEIGHTS LOT 5 BLK B ORB 4596 P 1744
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR GROVE HEIGHTS
Legal Block	B
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2007
Census Tract	1200

Owner

2914 E 17th St is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2914 E 17TH ST, PANAMA CITY, FL 32405-7405
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

Date	Document
Aug 9, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CALIBER HOME LOANS INC
Aug 9, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
May 3, 2017	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2022 · Amount on File
Deed Sale	Aug 9, 2022 · Amount on File
Prior Sale	May 3, 2017 · Amount on File
Deed Document Number	2022058864
Deed Book / Page	4596 / 1744
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2914 E 17TH ST, PANAMA CITY, FL 32405-7405
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2914 E 17TH ST, PANAMA CITY, FL 32405-7405

Mortgage

Document Number	0045961759
Date	Aug 9, 2022
Book Page	4596/1759
Instrument	2022058866

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 9, 2022
Property Address	2914 E 17TH ST, PANAMA CITY, FL 32405-7405
Document Number	0045961744
Book / Page	4596 / 1744
Map Reference	MB 8 PG 9
Instrument Date	Aug 5, 2022
Instrument	2022058864
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2139 LEXINGTON RD UNIT 311, 311, LOUISVILLE, KY 40206-2999

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 PARKSIDE CIR APT 1126, 1126, PANAMA CITY BEACH, FL 32413-5192

Mortgage

Document Number	0045961746
Date	Aug 9, 2022
Book Page	4596/1746
Instrument	2022058865

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 3, 2017
Property Address	2914 E 17TH ST, PANAMA CITY, FL 32405-7405
Document Number	0038970456
Book / Page	003897 / 000456
Instrument Date	May 1, 2017
Instrument	24860
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$1,347.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2914 E 17TH ST PANAMA CITY FL 324057405, PANAMA CITY, FL 32405-7405

Tax Assessment & Valuation

The 2025 property tax bill for 2914 E 17th St was $2,750 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	$2,750.00 Homeowner's exemption	$261,891	$270,861 Land $25,418 Building $245,443
2023	$2,645.00 (+114.87%) Homeowner's exemption	$247,097 (+74.3%) Land $20,592 Building $226,505	$247,097 (+52.88%) Land $20,592 Building $226,505
2022	$1,231.00 Homeowner's exemption Widower's exemption	$141,762	$161,625 Land $16,602 Building $145,023

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2914 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 2914 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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