Bay County property record for 2920 E 11th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,328 sqft · built 1981 |
| Lot Size | 0.271 acres (11,848 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,500 (May 2006) |
| Tax Bill | $1,759 (2025) |
| Deeds & Mortgages | Jul 2018 Loan Modification Aug 2017 Loan Modification |
| Flood Zone | Zone X (moderate risk) |
| APN | 15329-010-000 |
| Primary APN | 15329-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,328 sqft Heated Area |
| Gross Area | 1,792 sqft |
| 1st Floor Area | 1,328 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,848 sqft (0.271 acres) |
| Lot Dimensions | 95 ft deep x 125 ft wide |
| Garage Area | 440 sqft |
| Porch | Porch |
| Porch Area | 24 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2920 E 11TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W -137.1- 118B2 COM 200' E & 330' N & 75' E OF SW COR OF SE1/4 OF NW1/4 TH |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 1200 |
2920 E 11th Ct is owned and occupied by an individual who bought it in May 2006.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2920 E 11TH CT, PANAMA CITY, FL 32401-5010 |
| 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.
| Date | Document |
|---|---|
| Jul 5, 2018 | Loan Modification, Mortgage PNC BK |
| Aug 3, 2017 | Loan Modification, Mortgage · Conventional with PMI PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2006 · Amount on File |
| Deed Sale | May 8, 2006 · Amount on File |
| Prior Sale | Nov 21, 2001 |
| Deed Document Number | 2006-031943 |
| Deed Book / Page | 2774 / 1778 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2920 E 11TH CT, PANAMA CITY, FL 32401-5010 |
| Document Number | 0040390920 |
| Instrument Date | Jul 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2920 E 11TH CT PANAMA CITY BEACH FL 324015010, PANAMA CITY BEACH, FL 32401-5010 |
| Document Number | 0040390920 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 004039/000920 |
| Instrument | 49687 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Amount | Amount on Record |
|---|---|
| Term | 480 Months |
| Due | Aug 16, 2058 |
| Rate | 4.12% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2920 E 11TH CT, PANAMA CITY, FL 32401-5010 |
| Document Number | 0039320646 |
| Instrument Date | Aug 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2920 E 11TH CT PANAMA CITY BEACH FL 324015010, PANAMA CITY BEACH, FL 32401-5010 |
| Document Number | 0039320646 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 003932/000646 |
| Instrument | 49527 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 29, 2057 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
The 2025 property tax bill for 2920 E 11th Ct was $1,759.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,759.00 | $154,210 Land $41,500 Building $112,710 | $154,210 Land $41,500 Building $112,710 |
| 2023 | $1,441.00 (+20.69%) | $114,406 (+14.46%) Land $28,427 Building $85,979 | $114,406 (+14.46%) Land $28,427 Building $85,979 |
| 2022 | $1,194.00 | $99,955 Land $21,787 Building $78,168 | $99,955 Land $21,787 Building $78,168 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2920 E 11th Ct in Zone X, an area of moderate flood risk, though there have been 25 flood claims nearby since 1982.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 25 (1982–2018) |
| Claims Outside the SFHA | 20 of 25 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| Claims by Event |
|
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 risk around 2920 E 11th Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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