3130 E 13th Ct, Panama City, FL 32401 Property Records

Bay County property record for 3130 E 13th Ct, Panama City, FL 32401

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 1,890 sqft · built 2000
Lot Size	0.175 acres (7,623 sqft)
Owner	2 Owner Names on File
Last Sale	$74,400 (Jul 2009)
Tax Bill	$588 (2025)
Flood Zone	Zone X (minimal risk)
APN	`15196-018-000`

Property Details

APN / Parcel Number

Primary APN	`15196-018-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,890 sqft Heated Area
Gross Area	1,986 sqft
1st Floor Area	1,890 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,623 sqft (0.175 acres)
Lot Dimensions	170 ft deep x 45 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3130 E 13TH CT
City	PANAMA CITY
State	FL
Zip	32401-5080
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	2 4S 14W -17.18- 118B2 COM AT THE SW COR OF THE E 1/2 OF THE NE 1/4 OF THE NW 1/4 OF
Legal Range	14W
Legal Township	04S
Legal Section	02
Legal Subdivision	CEDARTRACE
Legal Lot Number	18
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1030
Census Tract	1200

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 Record	2 Owner Names on File
Mailing Address	3130 E 13TH CT, PANAMA CITY, FL 32401-5080
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2009 · Amount on File
Deed Sale	Jul 1, 2009 · Amount on File
Prior Sale	Oct 26, 2004 · Amount on File
Deed Document Number	2009037292
Deed Book / Page	3165 / 1334
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$588.00 (+16.67%)	$53,438 (+36.57%) Land $18,720 Building $34,718	$53,438 (+36.57%) Land $18,720 Building $34,718
2023	$504.00 (+35.48%)	$39,130 (+35.76%) Land $12,823 Building $26,307	$39,130 (+35.76%) Land $12,823 Building $26,307
2022	$372.00	$28,823 Land $9,828 Building $18,995	$28,823 Land $9,828 Building $18,995

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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