400 E 19th St, Panama City, FL 32405 Property Records

Bay County property record for 400 E 19th St, Panama City, FL 32405

Property Summary

Property Type	Multi-Family Dwellings
Details	2 bd · 2 ba · 3,140 sqft · built 1985
Lot Size	0.089 acres (3,876 sqft)
Owner	Company Name on File
Last Sale	$697,000 (Dec 2019)
Tax Bill	$4,097 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`14453-010-001`

Property Details

APN / Parcel Number

Primary APN	`14453-010-001`
Alternative APN	`4791500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	4 Units
Stories	2 Stories
Building Area	3,140 sqft Living Area
1st Floor Area	1,570 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2015
Architectural Style	Multi-Family
Exterior Material	Wood Frame (Stucco or Asbestos)
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	3,876 sqft (0.089 acres)
Lot Dimensions	78 ft deep x 50 ft wide
Porch	Slab
Porch Area	40 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	400 E 19TH ST
City	PANAMA CITY
State	FL
Zip	32405-4725
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	PC09
Legal Description	33 3S 14W -47.2- MAP 104C3 BEG 124.68 S OF NE COR E1/2 OF NW1/4 OF NW1/4 OF SW1/4 TH CONT S 50 W 78.10 N 50 E 78.06 TO POB ORB 4196 P 870
Legal Range	14W
Legal Township	03S
Legal Section	33
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1008
Census Tract	1600

Owner

400 E 19th St, a residential property, is owned by a company that bought it in December 2019.

Source: Bay County records, as of October 12, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 607, CHIPLEY, FL 32428-0607
Owner Type	Company

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
Dec 2, 2019	Warranty Deed, Transfer MIDFLORIDA FCU
Jul 11, 2019	Warranty Deed, Transfer · Commercial Mortgage WHITNEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2019 · Amount on File
Deed Sale	Dec 2, 2019 · Amount on File
Prior Sale	Jul 11, 2019 · Amount on File
Deed Document Number	2019102382
Deed Book / Page	4196 / 870
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 2, 2019
Property Address	400 E 19TH ST, PANAMA CITY, FL 32405-4725
Document Number	0041960870
Book / Page	004196 / 000870
Instrument Date	Oct 30, 2019
Instrument	102382
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	H AND S TITLE AND ESCROW INC, H&S TITLE & ESCROW INC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2346 COUPLES DR LAKELAND FL 338135820, LAKELAND, FL 33813-5820

Mortgage

Document Number	41960872
Date	Dec 2, 2019
Book Page	004196/000872
Instrument	102384

Lender

Name	MIDFLORIDA FCU
Type	Credit Union
Address	LAKELAND, FL 33801

Agreement

Amount	Amount on Record

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 11, 2019
Property Address	400 E 19TH ST, PANAMA CITY, FL 32405-4725
Document Number	0041431202
Book / Page	4143 / 1202
Instrument Date	Jul 9, 2019
Instrument	2019063241
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 QUEENSBERRY DR, LAFAYETTE, LA 70508-5421

Mortgage

Document Number	0041431206
Date	Jul 11, 2019
Book Page	4143/1206
Instrument	2019063243

Lender

Name	WHITNEY BANK
Type	Bank
Address	NEW ORLEANS, LA 70161

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 400 E 19th St was $4,097, down 19% 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	$4,097.00 (-19.02%)	$238,659	$300,163 Land $14,746 Building $285,417
2024	$5,059.00 (+24.94%)
2023	$4,049.00 (+20.11%)	$264,439 (+20.46%) Land $13,051 Building $251,388	$264,439 (+20.46%) Land $13,051 Building $251,388
2022	$3,371.00	$219,527 Land $10,202 Building $209,325	$219,527 Land $10,202 Building $209,325

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 400 E 19th St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims Hurricane Opal, Oct 1995 · 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 400 E 19th St is moderate, ranking above 45% 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 Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct 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 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon, WOW Internet, Cable & Phone.

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