401 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 401 E 16th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Vacant Land
Details	3 bd · 2 ba · 1,464 sqft · built 1982
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on File
Last Sale	$55,000 (Dec 2018)
Tax Bill	$586 (2025)
Deeds & Mortgages	Dec 2018 Sale & Line of Credit Apr 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`14460-010-000`

Property Details

APN / Parcel Number

Primary APN	`14460-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,464 sqft Attic
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	330 ft deep x 132 ft wide
Porch	Patio
Porch Area	240 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 E 16TH ST
City	PANAMA CITY
State	FL
Zip	32405-5456
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	PC09
Legal Description	33 3S 14W -55- BEG 660 N & 396 W OF SE COR OF SW1/4 OF SW1/4 TH W 132 N 330 E 132 S 330 TO POB SUB TO ESMTS ORB 4065 P 664
Legal Range	14W
Legal Township	03S
Legal Section	33
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1010
Census Tract	1600

Owner

401 E 16th St, commercial vacant land, is owned by a company that bought it in December 2018.

Source: Bay County records, as of May 6, 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 3, 2018	Warranty Deed, Transfer · Line of Credit INNOVATIONS FCU
Apr 24, 2017	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2018 · Amount on File
Deed Sale	Dec 3, 2018 · Amount on File
Prior Sale	Apr 24, 2017 · Amount on File
Deed Document Number	201870352
Deed Book / Page	4065 / 664
Prior Transfer Date	May 11, 2015
Prior Transfer Doc	0036980137
Record Updated	Oct 29, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 3, 2018
Property Address	401 E 16TH ST, PANAMA CITY, FL 32405-5456
Document Number	0040650664
Book / Page	4065 / 0664
Instrument Date	Nov 30, 2018
Instrument	2018070352
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	SOUTH OAK TITLE 30A LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19938 BONITA DR, 19938, PANAMA CITY BEACH, FL 32413-1641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7928 HIGH POINT RD, PANAMA CITY, FL 32404-5256

Mortgage

Document Number	2018070353
Date	Dec 3, 2018
Instrument	2018070353

Lender

Name	INNOVATIONS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 30, 2033

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 24, 2017
Property Address	401 E 16TH ST, PANAMA CITY, FL 32405-5456
Document Number	0038940741
Book / Page	003894 / 000741
Instrument Date	Apr 20, 2017
Instrument	22857
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7124 MESSER RD CALLAWAY FL 324045534, CALLAWAY, FL 32404-5534

Tax Assessment & Valuation

The 2025 property tax bill for 401 E 16th St was $586, down 3.9% 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	$586.00 (-3.93%)	$37,152 Land $36,000 Building $1,152	$37,152 Land $36,000 Building $1,152
2024	$610.00 (-22.98%)
2023	$792.00 (+3.26%)	$37,152 (-) Land $36,000 Building $1,152	$37,152 (-) Land $36,000 Building $1,152
2022	$767.00	$37,152 Land $36,000 Building $1,152	$37,152 Land $36,000 Building $1,152

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

Flood

FEMA maps place 401 E 16th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	32.0 ft
Flood Insurance Requirement	Required federally backed loans
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 401 E 16th St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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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