2916 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2916 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,385 sqft · built 2017
Lot Size	0.205 acres (8,930 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Jun 2017)
Tax Bill	$1,758 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14889-020-000`

Property Details

APN / Parcel Number

Primary APN	`14889-020-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,385 sqft Heated Area
Gross Area	2,030 sqft
1st Floor Area	1,385 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,930 sqft (0.205 acres)
Lot Dimensions	147 ft deep x 64 ft wide
Garage Area	480 sqft
Driveway	Driveway
Driveway Area	576 sqft

Exterior Amenities

Porch	Porch
Porch Area	165 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2916 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 6 BLK B ORB 3912 P 105
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR GROVE HEIGHTS
Legal Block	B
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2007
Census Tract	1200

Owner

2916 E 17th St is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2916 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
Feb 23, 2023	Deed of Trust, Mortgage · Closed-End Mortgage PANHANDLE CU
Jun 22, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PANHANDLE EDUCATORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2017 · Amount on File
Deed Sale	Jun 22, 2017 · Amount on File
Deed Document Number	2017035480
Deed Book / Page	3912 / 0105
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2916 E 17TH ST, PANAMA CITY, FL 32405-7405
Transaction Type	Mortgage
Record Updated	Mar 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 E 17TH ST, PANAMA CITY, FL 32405-7405

Mortgage

Document Number	0046591855
Date	Feb 23, 2023
Book Page	4659/1855
Instrument	2023010728

Lender

Name	PANHANDLE CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 3, 2043

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 22, 2017
Property Address	2916 E 17TH ST, PANAMA CITY, FL 32405-7405
Document Number	0039120105
Book / Page	3912 / 0105
Map Reference	MB8 PG9
Instrument Date	Jun 21, 2017
Instrument	2017035480
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2021
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	904 WYOMING AVE, 904, LYNN HAVEN, FL 32444-1965

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 E 17TH ST, PANAMA CITY, FL 32405-7405

Mortgage

Document Number	2017035481
Date	Jun 22, 2017
Instrument	2017035481

Lender

Name	PANHANDLE EDUCATORS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2916 E 17th St was $1,758 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	$1,758.00 Homeowner's exemption	$181,768	$225,645 Land $23,463 Building $202,182
2023	$1,698.00 (+14.04%) Homeowner's exemption	$171,500 (+4.82%)	$203,990 (+12.34%) Land $19,008 Building $184,982
2022	$1,489.00 Homeowner's exemption	$163,619	$181,576 Land $15,325 Building $166,251

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

Flood

FEMA maps place 2916 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 2916 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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