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

Bay County property record for 308 E 2nd St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 980 sqft · built 1946
Lot Size0.192 acres (8,407 sqft)
Owner2 Individual Names on Record
Last Sale$60,000 (Feb 2020)
Tax Bill$1,343 (2025)
Deeds & MortgagesNov 2020 Mortgage
Feb 2020 Sale
Flood ZoneZone X (minimal risk)
APN20331-000-000

Property Details

APN / Parcel Number

Primary APN20331-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area980 sqft Heated Area
Gross Area1,076 sqft
1st Floor Area980 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1946
Effective Year BuiltEffective 1991
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area8,407 sqft (0.192 acres)
Lot Dimensions143 ft deep x 59 ft wide
PorchPorch
Porch Area96 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address308 E 2ND ST
CityPANAMA CITY
StateFL
Zip32401-3231
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC03
Legal DescriptionHARMON PLAT LOT 4 BLK 10 ORB 4226 P 14
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionHARMON PLAT
Legal Block10
Legal Lot Number4
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1017
Census Tract1900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1101 RHODE ISLAND AVE, LYNN HAVEN, FL 32444-2152
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 2, 2020Deed of Trust, Mortgage · Conventional Mortgage
TYNDALL FCU
Feb 25, 2020Grant Deed, Transfer
SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 25, 2020 · Amount on Record
Deed SaleFeb 25, 2020 · Amount on Record
Prior SaleMar 12, 2004 · Amount on Record
Deed Document Number2020014604
Deed Book / Page4226 / 14
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address308 E 2ND ST, PANAMA CITY, FL 32401-3231
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0043180636
DateNov 2, 2020
Book Page4318/636
Instrument2020073101
Lender
NameTYNDALL FCU
TypeCredit Union
AddressPANAMA CITY, FL 32412
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateFeb 25, 2020
Property Address308 E 2ND ST, PANAMA CITY, FL 32401-3231
Document Number0042260014
Book / Page004226 / 000014
Instrument DateFeb 21, 2020
Instrument14604
Transaction TypeTransfer
Record UpdatedMar 20, 2020
Title CompanySETCO SERVICES LLC, SETCO SVCS LLC

Transaction

AmountAmount Recorded
Tax$420.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1101 RHODE ISLAND AVE LYNN HAVEN FL 324442152, LYNN HAVEN, FL 32444-2152

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$1,343.00 (-3.31%)$100,067 (+21.33%) Land $40,595 Building $59,472$100,067 (+21.33%) Land $40,595 Building $59,472
2023$1,389.00 (+15.56%)$82,478 (+11.99%) Land $35,046 Building $47,432$82,478 (+11.99%) Land $35,046 Building $47,432
2022$1,202.00$73,649 Land $30,431 Building $43,218$73,649 Land $30,431 Building $43,218

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 Record
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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