2915 E 16th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2915 E 16th Ct, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,413 sqft · built 2018
Lot Size	0.219 acres (9,540 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jan 2023)
Tax Bill	$3,185 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14889-040-000`

Property Details

APN / Parcel Number

Primary APN	`14889-040-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,413 sqft Heated Area
Gross Area	2,007 sqft
1st Floor Area	1,413 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
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	480 sqft
Driveway	Driveway
Driveway Area	512 sqft

Exterior Amenities

Porch	Porch
Porch Area	114 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2915 E 16TH CT
City	PANAMA CITY
State	FL
Zip	32405-7403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR GROVE HEIGHTS LOT 8 BLK B ORB 4653 P 451
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR GROVE HEIGHTS
Legal Block	B
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2007
Census Tract	1200

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	230 OGDEN DR, OREGON CITY, OR 97045-3042
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Warranty Deed, Transfer · Conventional Mortgage BNC NATIONAL BANK
Feb 19, 2021	Deed of Trust, Mortgage · VA Mortgage MID-CONTINENT FUNDING INC
May 7, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2023 · Amount on Record
Deed Sale	Jan 31, 2023 · Amount on Record
Prior Sale	May 7, 2018 · Amount on Record
Deed Document Number	2023005984
Deed Book / Page	4653 / 451
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 31, 2023
Property Address	2915 E 16TH CT, PANAMA CITY, FL 32405-7403
Document Number	0046530451
Book / Page	4653 / 451
Map Reference	MB 8 PG 9
Instrument Date	Jan 27, 2023
Instrument	2023005984
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7747 S LIONS SPRING WAY, TUCSON, AZ 85747-5651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 OGDEN DR, OREGON CITY, OR 97045-3042
Investor	Possibly a Property Investor

Mortgage

Document Number	0004653453
Date	Jan 31, 2023
Instrument	4653/453

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2915 E 16TH CT, PANAMA CITY, FL 32405-7403
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 COUNTRYSIDE CT, FORT WALTON BEACH, FL 32547-1144

Mortgage

Document Number	0043651592
Date	Feb 19, 2021
Book Page	4365/1592
Instrument	2021011997

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 7, 2018
Property Address	2915 E 16TH CT, PANAMA CITY, FL 32405-7403
Document Number	0040052321
Book / Page	004005 / 002321
Instrument Date	May 4, 2018
Instrument	27026
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 14, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,348.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6327 TAMMY LN PANAMA CITY FL 324049021, PANAMA CITY, FL 32404-9021

Mortgage

Document Number	40052323
Date	May 7, 2018
Book Page	004005/002323
Instrument	27027

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2048

Tax Assessment & Valuation

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	$3,185.00 (+20.05%)	$257,409 (+20.62%) Land $25,418 Building $231,991	$257,409 (+20.62%) Land $25,418 Building $231,991
2023	$2,653.00 (+18.49%)	$213,405 (+9.38%) Land $20,592 Building $192,813	$213,405 (+9.38%) Land $20,592 Building $192,813
2022	$2,239.00	$195,099 Land $16,602 Building $178,497	$195,099 Land $16,602 Building $178,497

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 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	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 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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