Bay County property record for 3121 E 13th Ct, Panama City, FL 32401
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,080 sqft · built 2000 |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,000 (Jan 2025) |
| Tax Bill | $1,421 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Nov 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15196-013-000 |
| Primary APN | 15196-013-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,797 sqft (0.179 acres) |
| Lot Dimensions | 122 ft deep x 64 ft wide |
| Deck Area | 48 sqft |
| Patio Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3121 E 13TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5081 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R2 |
| Legal Description | 2 4S 14W -17.13- 118B2 COM AT SW COR OF E 1/2 OF NE 1/4 OF NW 1/4 OF SEC TH N 632.34 FOR POB TH N 50.11 E 107.60 TO WLY R/W LN OF 13TH CT TH SE 67.48 W 138.03 TO POB ORB 4801 P 324 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Legal Subdivision | CEDARTRACE |
| Legal Lot Number | 13 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 1200 |
Source: Bay County records, as of August 27, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3121 E 13TH CT, PANAMA CITY, FL 32401-5081 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 17, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage EDGAR W GARBUTT TRUST |
| Nov 8, 2019 | Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU |
| Nov 8, 2019 | Loan Modification, Mortgage · Conventional with PMI JAMES A PIGNERI |
| Mar 9, 2018 | Warranty Deed, Transfer JAMES A & DORIS E PIGNERI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2025 · Amount on Record |
| Deed Sale | Jan 14, 2025 · Amount on Record |
| Prior Sale | May 13, 2024 · Amount on Record |
| Deed Document Number | 20252074 |
| Deed Book / Page | 4875 / 1973 |
| Prior Transfer Date | Mar 17, 2021 |
| Prior Transfer Doc | 0043770885 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 17, 2021 |
| Property Address | 3121 E 13TH CT, PANAMA CITY, FL 32401-5081 |
| Document Number | 0043770885 |
| Book / Page | 4377 / 885 |
| Instrument Date | Mar 17, 2021 |
| Instrument | 2021019368 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $455.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4438 COUNTRY LAKE DR, PANAMA CITY, FL 32404-2001 |
| Document Number | 0004377887 |
|---|---|
| Date | Mar 17, 2021 |
| Instrument | 4377/887 |
| Name | EDGAR W GARBUTT TRUST |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 17, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3121 E 13TH CT, PANAMA CITY, FL 32401-5081 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041890751 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | 4189/0751 |
| Instrument | 2019097465 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32406 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 8, 2034 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3121 E 13TH CT, PANAMA CITY, FL 32401-5081 |
| Document Number | 0041890774 |
| Instrument Date | Nov 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 121 E 13TH ST PANAMA CITY FL 32401, PANAMA CITY, FL 32401 |
| Document Number | 0041890774 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | 004189/000774 |
| Instrument | 97467 |
| Name | JAMES A PIGNERI |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 9, 2018 |
| Property Address | 3121 E 13TH CT, PANAMA CITY, FL 32401-5081 |
| Document Number | 0039870817 |
| Book / Page | 003987 / 000817 |
| Instrument Date | Mar 9, 2018 |
| Instrument | 13953 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2019 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 19934 PANAMA CITY BEACH FL 324171934, PANAMA CITY BEACH, FL 32417-1934 |
| Document Number | 39870819 |
|---|---|
| Date | Mar 9, 2018 |
| Book Page | 003987/000819 |
| Instrument | 13954 |
| Name | JAMES A & DORIS E PIGNERI |
|---|---|
| Address | 3900 PRINCESS LN, PANAMA CITY, FL 32405-1234 |
| Amount | Amount Recorded |
|---|---|
| Term | 24 Months |
| Due | Mar 8, 2020 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,421.00 (+271.99%) | $114,854 (+274.83%) Land $23,808 Building $91,046 | $114,854 (+274.83%) Land $23,808 Building $91,046 |
| 2024 | $382.00 (+17.54%) | ||
| 2023 | $325.00 (+51.87%) | $30,642 (+102.19%) Land $16,308 Building $14,334 | $30,642 (+102.19%) Land $16,308 Building $14,334 |
| 2022 | $214.00 | $15,155 Land $12,499 Building $2,656 | $15,155 Land $12,499 Building $2,656 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 25 (1982–2018) |
| Claims Outside the SFHA | 20 of 25 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 113 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 · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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