320 E 7th St, #A, Panama City, FL 32401 Property Records

Bay County property record for 320 E 7th St, #A, Panama City, FL 32401

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 1,568 sqft · built 2005
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on File
Last Sale	$27,000 (Mar 2019)
Tax Bill	$2,533 (2025)
Deeds & Mortgages	May 2020 Transfer Feb 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19816-000-000`

Property Details

APN / Parcel Number

Primary APN	`19816-000-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	2 Units
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Duplex Single
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 E 7TH ST, A
City	PANAMA CITY
State	FL
Zip	32401-3033
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	PC06
Legal Description	GCD PLAT LOTS 19 & 20 BLK 25 ORB 4219 P 1568
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GCD PLAT
Legal Block	25
Legal Lot Number	19,20
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2058
Census Tract	1600

Owner

320 E 7th St, #A is owned by an individual who acquired it in April 2020.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	3110 W 13TH ST, PANAMA CITY, FL 32401-1308
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Quit Claim Deed ATTORNEY ONLY
Feb 5, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 27, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2019 · Amount on File
Deed Sale	Mar 27, 2019 · Amount on File
Prior Sale	Aug 21, 2003 · Amount on File
Deed Document Number	201931778
Deed Book / Page	4105 / 1235
Last Transfer Date	Apr 30, 2020
Transfer Doc	0042471568
Record Updated	Jun 8, 2026

May 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	May 1, 2020
Property Address	320 E 7TH ST # A, A, PANAMA CITY, FL 32401-3033
Document Number	0042471568
Book / Page	004247 / 001568
Instrument Date	Apr 30, 2020
Instrument	28943
Record Updated	May 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2000 MARKET ST OAKLAND CA 946073336, OAKLAND, CA 94607-3336

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 5, 2020
Property Address	320 E 7TH ST # A, A, PANAMA CITY, FL 32401-3033
Document Number	0042190608
Book / Page	004219 / 000608
Instrument Date	Jan 28, 2020
Instrument	9580
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2000 MARKET ST OAKLAND CA 946073336, OAKLAND, CA 94607-3336

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 27, 2019
Property Address	320 E 7TH ST # A, A, PANAMA CITY, FL 32401-3033
Document Number	0041051235
Book / Page	004105 / 001235
Instrument Date	Mar 15, 2019
Instrument	31778
Transaction Type	Transfer
Record Updated	Apr 10, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$189.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 MARKET POINT DR GREENVILLE SC 296075768, GREENVILLE, SC 29607-5768

Tax Assessment & Valuation

The 2025 property tax bill for 320 E 7th St, #A was $2,533, down 12.4% from the year before.

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	$2,533.00 (-12.44%)	$134,569	$135,311 Land $26,003 Building $109,308
2024	$2,893.00 (+14.3%)
2023	$2,531.00 (+13.96%)	$117,215 (+11.62%) Land $16,182 Building $101,033	$117,215 (+11.62%) Land $16,182 Building $101,033
2022	$2,221.00	$105,011 Land $13,447 Building $91,564	$105,011 Land $13,447 Building $91,564

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 320 E 7th St, #A in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2008.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (2008–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 4 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

Wildfire risk around 320 E 7th St, #A is low, with less than a 0.01% annual chance of 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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