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3700 E 13th Ct, Panama City, FL 32404 Property Records

Bay County property record for 3700 E 13th Ct, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,307 sqft
Lot Size0.275 acres (11,979 sqft)
Owner2 Individual Names on File
Last Sale$270,000 (May 2025)
Tax Bill$3,352 (2025)
Deeds & MortgagesMay 2025 Sale & Mortgage
Sep 2022 Sale
Flood ZoneZone X (minimal risk)
APN15122-000-000

Property Details

APN / Parcel Number

Primary APN15122-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,307 sqft Living Area
Gross Area1,470 sqft
1st Floor Area1,307 sqft

Exterior

Lot Area11,979 sqft (0.275 acres)
Lot Dimensions200 ft deep x 60 ft wide
Total Buildings2 Buildings

Location & Zoning

Street Address3700 E 13TH CT
CityPANAMA CITY
StateFL
Zip32404-5825
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRINGFIELD FARMS (118A2) LOT 6 BLK 5 ORB 4606 P 2308
Legal Range14W
Legal Township04S
Legal Section01
Legal SubdivisionSPRINGFIELD FARMS
Legal Block5
Legal Lot Number6
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1021
Census Tract1100

Owner

3700 E 13th Ct is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record2 Individual Names on File
Mailing Address3700 E 13TH CT, PANAMA CITY, FL 32404-5825
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

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

DateDocument
May 27, 2025Warranty Deed, Transfer · FHA Mortgage
STG MORTGAGE INC
Sep 6, 2022Warranty Deed, Transfer
NOT AVAILABLE, OMEGA TITLE FLORIDA LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 27, 2025 · Amount on File
Deed SaleMay 27, 2025 · Amount on File
Prior SaleSep 6, 2022 · Amount on File
Deed Document Number202529403
Deed Book / Page4916 / 1927
Prior Transfer DateOct 19, 2007
Prior Transfer Doc0029891543
Record UpdatedJun 8, 2026

May 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 27, 2025
Property Address3700 E 13TH CT, PANAMA CITY, FL 32404-5825
Document Number0049161927
Book / Page4916 / 1927
Instrument DateMay 15, 2025
Instrument2025029403
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanySOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address726 N 11TH ST, PANAMA CITY, FL 32404-6936

Transferred To (Grantee/Buyer)

NameVerified Name
Address3700 E 13TH CT, PANAMA CITY, FL 32404-5825

Mortgage

Document Number0049161930
DateMay 27, 2025
Instrument4916/1930
Lender
NameSTG MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2055

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 6, 2022
Property Address3700 E 13TH CT, PANAMA CITY, FL 32404-5825
Document Number0046062308
Book / Page4606 / 2308
Instrument DateSep 2, 2022
Instrument2022065990
Transaction TypeTransfer
Record UpdatedSep 26, 2022
Title CompanyNOT AVAILABLE, OMEGA TITLE FLORIDA LLC

Transaction

AmountAmount on Record
Tax$203.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address105 MOONRAKER CIR, 105, PANAMA CITY BEACH, FL 32407-3755

Transferred To (Grantee/Buyer)

NameVerified Name
Address726 N 11TH ST, PANAMA CITY, FL 32404-6936

Tax Assessment & Valuation

The 2025 property tax bill for 3700 E 13th Ct was $3,352, up 667% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,352.00 (+667.05%)$210,619$212,843 Land $20,477 Building $192,366
2024$437.00 (+6.07%)
2023$412.00 (-35.22%)$16,588 (-50.39%) Land $16,588$16,588 (-50.39%) Land $16,588
2022$636.00$33,436 Land $33,436$33,436 Land $33,436

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3700 E 13th Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File
median of 39 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims18 (1998–2021)
Claims Outside the SFHA10 of 18
Most Recent ClaimOct 2021 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 8 claims
  • Severe Storms And Flooding, Jul 2013 · 2 claims
  • Hurricane Dennis, Jul 2005 · 2 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 3700 E 13th Ct is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF SPRINGFIELD
serves 8,075 people · EPA ID FL1030148
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionOct 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 244 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WOW Internet, Cable & Phone
Fiber · Cable in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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