Bay County property record for 3815 E 2nd Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,463 sqft · built 1958 |
| Lot Size | 0.289 acres (12,589 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,189 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23412-000-000 |
| Primary APN | 23412-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,463 sqft Heated Area |
| Gross Area | 1,529 sqft |
| 1st Floor Area | 1,463 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 12,589 sqft (0.289 acres) |
| Lot Dimensions | 210 ft deep x 60 ft wide |
| Porch | Porch |
| Porch Area | 66 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3815 E 2ND CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11 4S 14W-388-118C4-BEG 150' N & 210' E OF SW COR OF NE1/4 OF SE1/4 OF NE1/4 OF SE1/4 TH N |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1000 |
3815 E 2nd Ct is owned by an individual who acquired it in October 2019.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7201 E 10TH ST, PANAMA CITY, FL 32404-2305 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2019 |
| Deed Sale | Oct 7, 2019 |
| Deed Document Number | 0004177341 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3815 E 2nd Ct was $1,189, down 10.7% from the year before.
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 | $1,189.00 (-10.74%) | $142,224 (+8.28%) Land $22,032 Building $120,192 | $142,224 (+8.28%) Land $22,032 Building $120,192 |
| 2024 | $1,332.00 (+2.54%) | $131,347 (+1.68%) Land $17,949 Building $113,398 | $131,347 (+1.68%) Land $17,949 Building $113,398 |
| 2023 | $1,299.00 (+18.31%) | $129,181 (+9.93%) Land $14,644 Building $114,537 | $129,181 (+9.93%) Land $14,644 Building $114,537 |
| 2022 | $1,098.00 | $117,516 Land $13,284 Building $104,232 | $117,516 Land $13,284 Building $104,232 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3815 E 2nd 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2016 · river or lake flooding |
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 risk around 3815 E 2nd Ct is low, with 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 258 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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