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

Bay County property record for 303 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1953
Lot Size	0.192 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Dec 2022)
Tax Bill	$4,572 (2025)
Deeds & Mortgages	Dec 2022 Sale Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20345-000-000`

Property Details

APN / Parcel Number

Primary APN	`20345-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Heated Area
Gross Area	1,147 sqft
1st Floor Area	1,056 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	8,407 sqft (0.192 acres)
Lot Dimensions	143 ft deep x 59 ft wide

Exterior Amenities

Porch	Porch
Porch Area	91 sqft
Patio Area	256 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	303 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-3230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	HARMON PLAT LOT 8 BLK 11 MAP 105C3
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	11
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1900

Owner

303 E 2nd St is owned by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11526 BARBER RD, FREDONIA, KS 66736-7435
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
Dec 16, 2022	Warranty Deed, Transfer SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY
Jan 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2022 · Amount on File
Deed Sale	Dec 16, 2022 · Amount on File
Prior Sale	Jun 5, 2001 · Amount on File
Deed Document Number	2022089201
Deed Book / Page	4640 / 1798
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 16, 2022
Property Address	303 E 2ND ST, PANAMA CITY, FL 32401-3230
Document Number	0046401798
Book / Page	4640 / 1798
Map Reference	MB 4 PG 8A
Instrument Date	Dec 13, 2022
Instrument	2022089201
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2377 VINSON RD, CLAYTON, NC 27527-5044

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11526 BARBER RD, FREDONIA, KS 66736-7435

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	303 E 2ND ST, PANAMA CITY, FL 32401-3230
Document Number	0039752246
Book / Page	003975 / 002246
Instrument Date	Jan 23, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	303 E 2ND ST PANAMA CITY BEACH FL 324013230, PANAMA CITY BEACH, FL 32401-3230

Mortgage

Document Number	0039752246
Date	Jan 31, 2018
Book Page	003975/002246
Instrument	6017

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 30, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 303 E 2nd St was $4,572.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,572.00	$290,414 Land $40,595 Building $249,819	$290,414 Land $40,595 Building $249,819
2023	$4,083.00 (+420.13%)	$238,879 (+227.71%) Land $35,046 Building $203,833	$238,879 (+206.1%) Land $35,046 Building $203,833
2022	$785.00 Homeowner's exemption	$72,893	$78,039 Land $30,431 Building $47,608

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 303 E 2nd St in Zone X, an area of minimal flood risk, though there have been 75 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	184 units insured incl. 146 condo units
Nearby Flood Claims	75 (1982–2018)
Claims Outside the SFHA	41 of 75
Most Recent Claim	Oct 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

Wildfire risk around 303 E 2nd St 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 99.8% of the US · lower than 99.7% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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

Provider	Max 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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