304 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 304 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,006 sqft · built 1949
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on Record
Last Sale	$11,000 (Mar 2022)
Tax Bill	$298 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`20341-000-000`

Property Details

APN / Parcel Number

Primary APN	`20341-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,006 sqft Living Area
1st Floor Area	862 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	143 ft deep x 59 ft wide
Driveway	Driveway
Porch	Florida Room
Porch Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	304 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	HARMON PLAT LOT 4 BLK 11 MAP 105C3 ORB 4533 P 2090
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	11
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1900

Owner

Source: Bay County records, as of January 5, 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
Mailing Address	304 E 2ND PL, PANAMA CITY, FL 32401-3225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Mar 8, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2022 · Amount on Record
Deed Sale	Mar 8, 2022 · Amount on Record
Deed Document Number	202217031
Deed Book / Page	4533 / 2090
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	304 E 2ND PL, PANAMA CITY, FL 32401-3225
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E 2ND PL, PANAMA CITY, FL 32401-3225

Mortgage

Document Number	0045891288
Date	Jul 19, 2022
Book Page	4589/1288
Instrument	2022053651

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 8, 2022
Property Address	304 E 2ND PL, PANAMA CITY, FL 32401-3225
Document Number	0045332090
Book / Page	4533 / 2090
Instrument Date	Mar 8, 2022
Instrument	2022017031
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Amount	Amount Recorded
Tax	$77.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6505 LANCE ST, 6505, CALLAWAY, FL 32404-8367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E 2ND PL, PANAMA CITY, FL 32401-3225

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$298.00 (+4.56%) Homeowner's exemption Widower's exemption Additional exemption filed	$86,013 (+5.99%)	$98,244 (+21.06%) Land $40,595 Building $57,649
2024	$285.00 (-38.84%)
2023	$466.00 (-63.68%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$81,154 (+11.94%) Land $35,046 Building $46,108	$81,154 (+11.94%) Land $35,046 Building $46,108
2022	$1,283.00	$72,500 Land $30,431 Building $42,069	$72,500 Land $30,431 Building $42,069

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 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

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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