Bay County property record for 304 E 2nd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,158 sqft · built 1940 |
| Lot Size | 0.192 acres (8,407 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $423 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20332-000-000 |
| Primary APN | 20332-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,158 sqft Heated Area |
| Gross Area | 1,254 sqft |
| 1st Floor Area | 1,158 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,407 sqft (0.192 acres) |
| Lot Dimensions | 143 ft deep x 59 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 304 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | HARMON PLAT LOT 5 ORB 1028 P 1296 BLK 10 ORB 2401 P 1212 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | HARMON PLAT |
| Legal Block | 10 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 1900 |
304 E 2nd St is owned and occupied by two individuals who acquired it in February 2004.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 304 E 2ND ST, PANAMA CITY, FL 32401-3231 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2004 |
| Deed Sale | Feb 24, 2004 |
| Deed Document Number | 0024011212 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 304 E 2nd St was $423 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $423.00 Homeowner's exemption | $55,313 | $100,161 Land $40,595 Building $59,566 |
| 2023 | $599.00 (-8.83%) Homeowner's exemption | $52,188 (+3%) | $83,270 (+11.49%) Land $35,046 Building $48,224 |
| 2022 | $657.00 Homeowner's exemption | $50,668 | $74,685 Land $30,431 Building $44,254 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 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 |
|
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 304 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.
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 |
| 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.
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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