Bay County property record for 401 E 11th St, Panama City, FL 32401
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.253 acres (11,064 sqft) |
| Owner | Owner Name on File |
| Last Sale | $272,500 (Apr 2012) |
| Tax Bill | $24 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 17586-002-000 |
| Primary APN | 17586-002-000 |
|---|
| Total Rooms | 40 Rooms |
|---|---|
| Stories | 1 Story |
| Lot Area | 11,064 sqft (0.253 acres) |
|---|---|
| Lot Dimensions | 132 ft deep x 82 ft wide |
| Street Address | 401 E 11TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | PC09 |
| Legal Description | M N KNEECES REPL PINE LEE 3RD LOT 3 BLK 2 ORB 506 P 533 ORB 3399 P 1985 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 1600 |
The current owner of 401 E 11th St bought it in April 2012.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 403 E 11TH ST, PANAMA CITY, FL 32401-3409 |
| Occupancy | Owner Occupied |
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 | Apr 9, 2012 · Amount on File |
| Deed Sale | Apr 9, 2012 · Amount on File |
| Deed Document Number | 2012018452 |
| Deed Book / Page | 3399 / 1985 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $61,261 (-) Land $55,321 Building $5,940 | $61,261 (-) Land $55,321 Building $5,940 | |
| 2024 | $24.00 (-88.46%) Additional exemption filed | $61,261 (-) Land $55,321 Building $5,940 | $61,261 (-) Land $55,321 Building $5,940 |
| 2023 | $208.00 (-4.15%) Additional exemption filed | $61,261 (+22.04%) Land $55,321 Building $5,940 | $61,261 (+22.04%) Land $55,321 Building $5,940 |
| 2022 | $217.00 Additional exemption filed | $50,196 Land $44,256 Building $5,940 | $50,196 Land $44,256 Building $5,940 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 401 E 11th 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 11th 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 98% of the US · lower than 97.6% 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 214 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 |
May also be available: AT&T, T-Mobile.
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