2917 E 16th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2917 E 16th Ct, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 2019
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (May 2019)
Tax Bill	$2,128 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14889-030-000`

Property Details

APN / Parcel Number

Primary APN	`14889-030-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Heated Area
Gross Area	2,124 sqft
1st Floor Area	1,512 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	147 ft deep x 45 ft wide
Driveway	Driveway
Driveway Area	595 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2917 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 7 BLK B ORB 4124 P 207
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR GROVE HEIGHTS
Legal Block	B
Legal Lot Number	7
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	2917 E 16TH CT, PANAMA CITY, FL 32405-7403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
May 16, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Deed Document Number	2019047546
Deed Book / Page	4124 / 0207
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2917 E 16TH CT, PANAMA CITY, FL 32405-7403
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2917 E 16TH CT, PANAMA CITY, FL 32405-7403

Mortgage

Document Number	0043241899
Date	Nov 16, 2020
Book Page	4324/1899
Instrument	2020077224

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 16, 2019
Property Address	2917 E 16TH CT, PANAMA CITY, FL 32405-7403
Document Number	0041240207
Book / Page	4124 / 0207
Map Reference	MB 8 PG 9
Instrument Date	May 15, 2019
Instrument	2019047546
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
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	2917 E 16TH CT, PANAMA CITY, FL 32405-7403

Mortgage

Document Number	0004124212
Date	May 16, 2019
Instrument	4124/212

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$2,128.00 (+3.75%) Homeowner's exemption	$211,645 (+5.99%)	$262,694 (+7.17%) Land $19,552 Building $243,142
2023	$2,051.00 (+11.59%) Homeowner's exemption	$199,689 (+3%)	$245,114 (+9.56%) Land $15,840 Building $229,274
2022	$1,838.00 Homeowner's exemption	$193,873	$223,721 Land $12,771 Building $210,950

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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