Bay County property record for 3205 E 2nd Ct, Panama City, FL 32401
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 1,568 sqft · built 2005 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | Company Name on Record |
| Last Sale | $74,900 (Mar 2015) |
| Tax Bill | $2,060 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23851-010-000 |
| Primary APN | 23851-010-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,568 sqft Heated Area |
| 1st Floor Area | 1,568 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,968 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Driveway | Driveway |
| Driveway Area | 817 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3205 E 2ND CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5603 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | SPRINGFIELD PLAT ELY PART OF LOTS 7,8 BLK 10 DESC AS. BEG SE COR OF LOT 7 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | SPRINGFIELD |
| Legal Block | 10 |
| Legal Lot Number | 7,8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 1000 |
Source: Bay County records, as of January 23, 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 | 2023 NAVY BLVD, PANAMA CITY BEACH, FL 32408-5813 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 31, 2020 | Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU |
| Jan 31, 2020 | Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2015 · Amount on Record |
| Deed Sale | Mar 5, 2015 · Amount on Record |
| Deed Document Number | 2015012626 |
| Deed Book / Page | 3680 / 1249 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3205 E 2ND CT, PANAMA CITY, FL 32401-5603 |
| Document Number | 0042170723 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2023 THOMAS DR PANAMA CITY BEACH FL 324085813, PANAMA CITY BEACH, FL 32408-5813 |
| Document Number | 0042170723 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 004217/000723 |
| Instrument | 8018 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 15529, PANAMA CITY, FL 32406-5529 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 30, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3205 E 2ND CT, PANAMA CITY, FL 32401-5603 |
| Document Number | 0042170723 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2023 THOMAS DR PANAMA CITY BEACH FL 324085813, PANAMA CITY BEACH, FL 32408-5813 |
| Document Number | 0042170723 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 004217/000723 |
| Instrument | 8018 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32406 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 30, 2040 |
| Rate Type | Adjustable Rate |
|---|
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,060.00 (+4.83%) | $149,309 (+14.31%) Land $19,973 Building $129,336 | $149,309 (+14.31%) Land $19,973 Building $129,336 |
| 2023 | $1,965.00 (+40.16%) | $130,621 (+62.84%) Land $13,673 Building $116,948 | $130,621 (+62.84%) Land $13,673 Building $116,948 |
| 2022 | $1,402.00 | $80,216 Land $11,266 Building $68,950 | $80,216 Land $11,266 Building $68,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 11 (1979–2020) |
| Claims Outside the SFHA | 8 of 11 |
| Most Recent Claim | Nov 2020 · rainfall accumulation |
| 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 | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 301 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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