309 E 7th St, Panama City, FL 32401 Property Records

Bay County property record for 309 E 7th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,273 sqft · built 1940
Lot Size	0.247 acres (10,759 sqft)
Owner	Company Name on Record
Last Sale	$130,000 (May 2024)
Tax Bill	$1,950 (2025)
Deeds & Mortgages	Dec 2023 Foreclosure Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17674-000-000`

Property Details

APN / Parcel Number

Primary APN	`17674-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,273 sqft Living Area
1st Floor Area	1,273 sqft
Flooring	Tile
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,759 sqft (0.247 acres)
Lot Dimensions	135 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	451 sqft
Carport	Carport
Carport Area	451 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	71 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 E 7TH ST
City	PANAMA CITY
State	FL
Zip	32401-3032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC06
Legal Description	GULFVIEW ADD. E 1/2 LOTS 24, 25 BLK 1 ORB 4805 P 671
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	GULFVIEW ADD
Legal Block	1
Legal Lot Number	24,25
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1034
Census Tract	2000

Owner

Source: Bay County records, as of September 15, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 489, DOUGLASVILLE, GA 30133-0489
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Trustee's Deed, Foreclosure
Aug 1, 2017	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2024 · Amount on Record
Deed Sale	May 24, 2024 · Amount on Record
Prior Sale	Dec 18, 2023 · Amount on Record
Deed Document Number	202430560
Deed Book / Page	4805 / 671
Prior Transfer Date	Oct 28, 2013
Prior Transfer Doc	0035591645
Record Updated	Oct 29, 2026

December 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BAY FL
Recording Date	Dec 18, 2023
Property Address	309 E 7TH ST, PANAMA CITY, FL 32401-3032
Document Number	0047580483
Book / Page	4758 / 483
Map Reference	MB 4 PG 14
Instrument Date	Dec 18, 2023
Instrument	2023077966
Transaction Type	Foreclosure
Record Updated	Jan 12, 2024

Transaction

Amount	Amount Recorded
Tax	$515.90
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6930 W LINEBAUGH AVE, TAMPA, FL 33625-5800

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 1, 2017
Property Address	309 E 7TH ST, PANAMA CITY, FL 32401-3032
Document Number	0039230094
Book / Page	3923 / 0094
Map Reference	MB4 PG14
Instrument Date	Jul 28, 2017
Instrument	2017043207
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MT TITLE INS AG INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 TYLER ST NW, 9, ROME, GA 30165-1142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E 7TH ST, PANAMA CITY, FL 32401-3032

Mortgage

Document Number	2017043208
Date	Aug 1, 2017
Instrument	2017043208

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

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	$1,950.00 (+35.79%)	$123,516 (+127.82%) Land $24,832 Building $98,684	$123,516 (+87.53%) Land $24,832 Building $98,684
2024	$1,436.00 (+137.36%)
2023	$605.00 (-8.61%) Homeowner's exemption	$54,217 (+3%)	$65,866 (+16.53%) Land $20,952 Building $44,914
2022	$662.00 Homeowner's exemption	$52,638	$56,521 Land $15,597 Building $40,924

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

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 47 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	93 (1984–2020)
Claims Outside the SFHA	64 of 93
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 23 claims Hurricane Dennis, Jul 2005 · 6 claims Hurricane Opal, Oct 1995 · 39 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 271 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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