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3129 E 13th Ct, Panama City, FL 32401 Property Records

Bay County property record for 3129 E 13th Ct, Panama City, FL 32401

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,520 sqft · built 2004
Lot Size0.269 acres (11,718 sqft)
Owner2 Individual Names on Record
Last Sale$86,000 (Oct 2018)
Tax Bill$325 (2025)
Deeds & MortgagesSep 2018 Sale & Mortgage
Dec 2017 Sale
Flood ZoneZone X (minimal risk)
APN15196-032-000

Property Details

APN / Parcel Number

Primary APN15196-032-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,520 sqft Heated Area
Gross Area1,682 sqft
1st Floor Area1,520 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area11,718 sqft (0.269 acres)
Lot Dimensions121 ft deep x 97 ft wide
Garage TypeDetached
Garage Area240 sqft

Exterior Amenities

PorchPorch
Porch Area162 sqft
Deck Area40 sqft
Patio Area40 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3129 E 13TH CT
CityPANAMA CITY
StateFL
Zip32401-5081
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal Description2 4S 14W -17.32- COM AT SW COR OF E1/2 OF NE1/4 OF NW1/4 OF SEC TH N 784.42'
Legal Range14W
Legal Township04S
Legal Section02
Legal SubdivisionCEDARTRACE
Legal Lot Number12
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1030
Census Tract1200

Owner

Source: Bay County records, as of January 23, 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 Record2 Individual Names on Record
Mailing Address3129 E 13TH CT, PANAMA CITY, FL 32401-5081
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 26, 2018Warranty Deed, Transfer · FHA Mortgage
FIRST FED'L SVGS BK
Dec 1, 2017Warranty Deed, Transfer
OMEGA TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 26, 2018 · Amount on Record
Deed SaleOct 26, 2018 · Amount on Record
Prior SaleDec 1, 2017 · Amount on Record
Deed Document Number2018058054
Deed Book / Page4051 / 1113
Record UpdatedJun 8, 2026

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 26, 2018
Property Address3129 E 13TH CT, PANAMA CITY, FL 32401-5081
Document Number0040511113
Book / Page004051 / 001113
Instrument DateSep 25, 2018
Instrument58054
Transaction TypeTransfer
Record UpdatedNov 8, 2018
Title CompanyOMEGA TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$602.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3129 E 13TH CT PANAMA CITY BEACH FL 324015081, PANAMA CITY BEACH, FL 32401-5081

Mortgage

Document Number40511118
DateSep 26, 2018
Book Page004051/001118
Instrument58057
Lender
NameFIRST FED'L SVGS BK
TypeFederal Savings Bank
AddressLAKE CITY, FL 32055
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 25, 2048

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 1, 2017
Property Address3129 E 13TH CT, PANAMA CITY, FL 32401-5081
Document Number0039592241
Book / Page003959 / 002241
Instrument DateNov 21, 2017
Instrument69548
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyOMEGA TITLE

Transaction

AmountAmount Recorded
Tax$231.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4313 E HIGHWAY 98 CALLAWAY FL 324046513, CALLAWAY, FL 32404-6513

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$325.00 (-7.93%) Homeowner's exemption$53,043 (+5.99%)$79,760 (+38.03%) Land $36,084 Building $43,676
2023$353.00 (+13.14%) Homeowner's exemption$50,047 (+3%)$57,784 (+18.92%) Land $24,717 Building $33,067
2022$312.00 Homeowner's exemption$48,589 Land $18,944 Building $29,645$48,589 Land $18,944 Building $29,645

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
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 27 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies27 in force
Nearby Flood Claims25 (1982–2018)
Claims Outside the SFHA20 of 25
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 5 claims
  • Severe Storms And Flooding, Jul 2013 · 5 claims
  • Hurricane Dennis, Jul 2005 · 3 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.05% 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 SystemBAY COUNTY WATER SYSTEM
serves 40,848 people · EPA ID FL1030050
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 113 locations within half a mile, as of December 31, 2025

ProviderMax 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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