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301 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 301 E 2nd St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,086 sqft · built 1948
Lot Size0.192 acres (8,407 sqft)
Owner2 Individual Names on File
Last Sale$212,000 (Aug 2021)
Tax Bill$3,400 (2025)
Deeds & MortgagesAug 2021 Sale
Mar 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN20344-000-000

Property Details

APN / Parcel Number

Primary APN20344-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,086 sqft Heated Area
Gross Area1,304 sqft
1st Floor Area1,086 sqft
FlooringTile
Interior WallsPlaster

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 2018
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,407 sqft (0.192 acres)
Lot Dimensions143 ft deep x 59 ft wide
Garage TypeDetached

Exterior Amenities

PorchPorch
Porch Area312 sqft
Patio Area323 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address301 E 2ND ST
CityPANAMA CITY
StateFL
Zip32401-3230
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC02
Legal DescriptionHARMON PLAT LOT 7 BLK 11 ORB 4914 P 207
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionHARMON PLAT
Legal Block11
Legal Lot Number7
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1014
Census Tract1900

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 Record2 Individual Names on File
Co-ownerCo-owner on File
Mailing Address3879 CARDINAL DR, TUCKER, GA 30084-3333
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 30, 2021Warranty Deed, Transfer
SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY
Mar 15, 2018Deed of Trust, Mortgage · Conventional Mortgage
ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleAug 30, 2021 · Amount on File
Deed SaleAug 30, 2021 · Amount on File
Prior SaleAug 30, 2021 · Amount on File
Deed Document Number0044531920
Deed Book / Page4453 / 1920
Last Transfer DateMay 19, 2025
Transfer Doc0049140207
Record UpdatedJun 8, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 30, 2021
Property Address301 E 2ND ST, PANAMA CITY, FL 32401-3230
Document Number0044531920
Book / Page4453 / 1920
Map ReferenceMB 4 PG 8A
Instrument DateAug 30, 2021
Instrument2021066637
Transaction TypeTransfer
Record UpdatedSep 15, 2021
Title CompanySOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

AmountAmount on Record
Tax$1,484.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address301 E 2ND ST, 301, PANAMA CITY, FL 32401-3230

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 96, DUCKTOWN, TN 37326-0096

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address301 E 2ND ST, PANAMA CITY, FL 32401-3230
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0039881877
DateMar 15, 2018
Book Page3988/1877
Instrument2018015074
Lender
NameROYAL UNITED MORTGAGE LLC
TypeMortgage Company
AddressINDIANAPOLIS, IN 46250
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueMar 1, 2033

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,400.00 (-2.94%)$215,330 (+11.77%) Land $40,595 Building $174,735$215,330 (+11.77%) Land $40,595 Building $174,735
2023$3,503.00 (+20.17%)$192,647 (+9.98%) Land $35,046 Building $157,601$192,647 (+9.98%) Land $35,046 Building $157,601
2022$2,915.00$175,165 Land $30,431 Building $144,734$175,165 Land $30,431 Building $144,734

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 38 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies184 units insured
incl. 146 condo units
Nearby Flood Claims75 (1982–2018)
Claims Outside the SFHA41 of 75
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 33 claims
  • Hurricane Opal, Oct 1995 · 37 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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 261 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: T-Mobile.

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