306 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 306 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,484 sqft · built 1950
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$271,500 (Aug 2023)
Tax Bill	$3,205 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20351-000-000`

Property Details

APN / Parcel Number

Primary APN	`20351-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,484 sqft Living Area
1st Floor Area	1,364 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2020
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

Exterior Amenities

Porch	Florida Room
Porch Area	160 sqft
Deck Area	128 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	306 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	HARMON PLAT LOT 3 BLK 12 MAP 105C3 ORB 4723 P 1301
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	HARMON PLAT
Legal Block	12
Legal Lot Number	3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1006
Census Tract	1900

Owner

306 E 2nd Ct is owned and occupied by an individual who bought it in August 2023.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	306 E 2ND CT, PANAMA CITY, FL 32401-3217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Aug 24, 2023	Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING
Oct 26, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 26, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2023 · Amount on File
Deed Sale	Aug 24, 2023 · Amount on File
Prior Sale	Oct 26, 2021 · Amount on File
Deed Document Number	202353661
Deed Book / Page	4723 / 1301
Prior Transfer Date	Aug 21, 2008
Prior Transfer Doc	0030790745
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 24, 2023
Property Address	306 E 2ND CT, PANAMA CITY, FL 32401-3217
Document Number	0047231301
Book / Page	4723 / 1301
Map Reference	MB 4 PG 8
Instrument Date	Aug 23, 2023
Instrument	2023053661
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,900.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3602 FLORIDA AVE, PANAMA CITY, FL 32405-3342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E 2ND CT, PANAMA CITY, FL 32401-3217

Mortgage

Document Number	0047231303
Date	Aug 24, 2023
Instrument	4723/1303

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 26, 2021
Property Address	306 E 2ND CT, PANAMA CITY, FL 32401-3217
Document Number	0044780537
Book / Page	4478 / 537
Map Reference	MB 4 PG 8
Instrument Date	Oct 21, 2021
Instrument	2021081917
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,459.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2860 DELCREST DR, 2860, ORLANDO, FL 32817-1715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 SPRINGWOOD CT, WINDSOR, CO 80550-5979

Mortgage

Document Number	4478539
Date	Oct 26, 2021
Instrument	4478/539

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 26, 2021
Property Address	306 E 2ND CT, PANAMA CITY, FL 32401-3217
Document Number	0044780533
Book / Page	4478 / 533
Map Reference	MB 4 PG 8
Instrument Date	Oct 19, 2021
Instrument	2021081915
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$1,039.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 PLANTATION DR, 840, PANAMA CITY, FL 32404-8629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E 2ND CT, PANAMA CITY, FL 32401-3217

Tax Assessment & Valuation

The 2025 property tax bill for 306 E 2nd Ct was $3,205 with a homeowner's exemption, down 19.5% from the year before.

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	$3,205.00 (-19.49%) Homeowner's exemption	$244,974 Land $40,595 Building $204,379	$244,974 Land $40,595 Building $204,379
2024	$3,981.00 (+59.18%)
2023	$2,501.00 (+10.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$181,185 (+3%)	$192,653 (+9.52%) Land $35,046 Building $157,607
2022	$2,260.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$175,908 Land $30,431 Building $145,477	$175,908 Land $30,431 Building $145,477

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 306 E 2nd Ct 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 306 E 2nd 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 99.8% 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.

Nearby Properties on E 2nd Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures