4002 E 12th Ct, Panama City, FL 32404 Property Records

Bay County property record for 4002 E 12th Ct, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1978
Lot Size	0.311 acres (13,547 sqft)
Owner	Individual Name on File
Last Sale	$224,500 (Oct 2022)
Tax Bill	$2,451 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`15178-865-000`

Property Details

APN / Parcel Number

Primary APN	`15178-865-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,547 sqft (0.311 acres)
Lot Dimensions	154 ft deep x 88 ft wide
Driveway	Driveway
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4002 E 12TH CT
City	PANAMA CITY
State	FL
Zip	32404-5821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNE & COUNTRY LAKE ESTS 2ND ADD LOT 10 ORB 4621 P 1052
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	TOWNE & COUNTRY LAKE ESTS 2ND ADD
Legal Lot Number	10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1021
Census Tract	1100

Owner

4002 E 12th Ct is owned and occupied by an individual who bought it in October 2022.

Source: Bay County records, as of May 6, 2026

Owner of Record	Individual Name on File
Mailing Address	4002 E 12TH CT, PANAMA CITY, FL 32404-5821
Occupancy	Owner Occupied
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
Oct 17, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 13, 2019	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP
Dec 26, 2018	Warranty Deed, Transfer H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2022 · Amount on File
Deed Sale	Oct 17, 2022 · Amount on File
Prior Sale	Aug 13, 2019 · Amount on File
Deed Document Number	202275850
Deed Book / Page	4621 / 1052
Prior Transfer Date	Mar 21, 2011
Prior Transfer Doc	0033101888
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 17, 2022
Property Address	4002 E 12TH CT, PANAMA CITY, FL 32404-5821
Document Number	0046211052
Book / Page	4621 / 1052
Map Reference	MB 12 PG 27
Instrument Date	Oct 14, 2022
Instrument	2022075850
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,571.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 GREENBRIAR DR, 610, BRANDON, FL 33511-7806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4002 E 12TH CT, PANAMA CITY, FL 32404-5821

Mortgage

Document Number	0046211054
Date	Oct 17, 2022
Instrument	4621/1054

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 13, 2019
Property Address	4002 E 12TH CT, PANAMA CITY, FL 32404-5821
Document Number	0041551387
Book / Page	4155 / 1387
Map Reference	MB 12 PG 27
Instrument Date	Aug 9, 2019
Instrument	2019072474
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,134.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3915 ERENO CT, 3915, PANAMA CITY, FL 32405-3228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4002 E 12TH CT, PANAMA CITY, FL 32404-5821

Mortgage

Document Number	0041551389
Date	Aug 13, 2019
Instrument	4155/1389

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 26, 2018
Property Address	4002 E 12TH CT, PANAMA CITY, FL 32404-5821
Document Number	0040722117
Book / Page	004072 / 002117
Instrument Date	Dec 20, 2018
Instrument	79039
Transaction Type	Transfer
Record Updated	Jan 22, 2019
Title Company	H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Tax	$371.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3915 ERENO CT PANAMA CITY FL 324053228, PANAMA CITY, FL 32405-3228

Tax Assessment & Valuation

The 2025 property tax bill for 4002 E 12th Ct was $2,451 with a homeowner's exemption, down 7.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,451.00 (-7.54%) Homeowner's exemption	$196,660	$205,618 Land $35,000 Building $170,618
2024	$2,651.00 (+1.18%)
2023	$2,620.00 (+53.04%) Homeowner's exemption	$189,694 (+36.87%) Land $27,814 Building $161,880	$189,694 (+33.92%) Land $27,814 Building $161,880
2022	$1,712.00 Homeowner's exemption	$138,593	$141,651 Land $22,800 Building $118,851

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

Flood

FEMA maps place 4002 E 12th Ct 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 7 (15% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	18 (1998–2021)
Claims Outside the SFHA	10 of 18
Most Recent Claim	Oct 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 4002 E 12th Ct is moderate, ranking above 43% 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 43% of the US · lower than 85% 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	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

Violations Reported to EPA

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.

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)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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