Bay County property record for 401 E 10th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,426 sqft · built 1949 |
| Lot Size | 0.519 acres (22,607 sqft) |
| Owner | Individual Name on File |
| Last Sale | $174,000 (Dec 2020) |
| Tax Bill | $1,878 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17766-000-000 |
| Primary APN | 17766-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,426 sqft Living Area |
| 1st Floor Area | 1,306 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Shingles |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 22,607 sqft (0.519 acres) |
| Lot Dimensions | 140 ft deep x 85 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Porch | Slab |
| Porch Area | 120 sqft |
| Patio Area | 578 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 401 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC09 |
| Legal Description | SEGLER HTS MAP 92A3 LOTS 3, 4 AND S1/2 LOT 5 ORB 4334 P 1782 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | SEGLER HTS |
| Legal Lot Number | 3,4,5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 1600 |
401 E 10th St is owned and occupied by an individual who bought it in December 2020.
Source: Bay County records, as of May 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2020 PRITCHARD ST, PANAMA CITY, FL 32405-1446 |
| 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.
| Date | Document |
|---|---|
| Dec 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| May 30, 2019 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2020 · Amount on File |
| Deed Sale | Dec 8, 2020 · Amount on File |
| Prior Sale | May 30, 2019 · Amount on File |
| Deed Document Number | 202082918 |
| Deed Book / Page | 4334 / 1782 |
| Prior Transfer Date | Nov 7, 2014 |
| Prior Transfer Doc | 0036530527 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 8, 2020 |
| Property Address | 401 E 10TH ST, PANAMA CITY, FL 32401-2932 |
| Document Number | 0043341782 |
| Book / Page | 4334 / 1782 |
| Map Reference | MB 3 PG 20 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 2020082918 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,218.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 E 10TH ST, 401, PANAMA CITY, FL 32401-2932 |
| Name | Verified Name |
|---|---|
| Address | 2020 PRITCHARD ST, PANAMA CITY, FL 32405-1446 |
| Investor | Possibly a Property Investor |
| Document Number | 0043341784 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 4334/1784 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 30, 2019 |
| Property Address | 401 E 10TH ST, PANAMA CITY, FL 32401-2932 |
| Document Number | 0041282353 |
| Book / Page | 4128 / 2353 |
| Map Reference | MB 3 PG 20 |
| Instrument Date | May 13, 2019 |
| Instrument | 2019051497 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 653 W 23RD ST, 653, PANAMA CITY, FL 32405-3922 |
| Name | Verified Name |
|---|---|
| Address | 401 E 10TH ST, PANAMA CITY, FL 32401-2932 |
| Document Number | 0041282355 |
|---|---|
| Date | May 30, 2019 |
| Instrument | 4128/2355 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 401 E 10th St was $1,878 with a homeowner's exemption, down 4.2% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,878.00 (-4.23%) Homeowner's exemption | $160,978 | $199,441 Land $51,488 Building $147,953 |
| 2024 | $1,961.00 (-5.17%) | ||
| 2023 | $2,068.00 (+3.76%) Homeowner's exemption | $151,884 (+3%) | $171,880 (+15.13%) Land $43,443 Building $128,437 |
| 2022 | $1,993.00 Homeowner's exemption | $147,460 | $149,296 Land $32,340 Building $116,956 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 E 10th St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2008.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 9 (2008–2023) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Dec 2023 · 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.
Wildfire risk around 401 E 10th St is low, with less than 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 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 336 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 | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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