Bay County property record for 401 E 2nd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,680 sqft · built 1960 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $79,000 (Mar 1995) |
| Tax Bill | $1,295 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20432-000-000 |
| Primary APN | 20432-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Heated Area |
| Gross Area | 2,401 sqft |
| 1st Floor Area | 1,680 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Roof Type | Shed Roof |
| Roof Material | Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Area | 276 sqft |
| Driveway | Driveway |
| Driveway Area | 200 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 377 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 401 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTH'S 1ST ADD LOT 14 & S 10' LOT 15 BLK 7 ORB 1555 P 43 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | BUNKERS COVE |
| Legal Block | 7 |
| Legal Lot Number | 14,15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 1900 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 401 E 2ND ST, PANAMA CITY, FL 32401-3232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 1995 · Amount on Record |
| Deed Sale | Mar 17, 1995 · Amount on Record |
| Deed Document Number | 0000155543 |
| 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 | $1,295.00 (-13.03%) Homeowner's exemption | $124,084 (+5.99%) | $175,439 (+23.73%) Land $34,055 Building $141,384 |
| 2023 | $1,489.00 (+1.78%) Homeowner's exemption | $117,075 (+3%) | $141,791 (+10.97%) Land $29,400 Building $112,391 |
| 2022 | $1,463.00 Homeowner's exemption | $113,665 | $127,774 Land $25,529 Building $102,245 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 10 (1995–2020) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
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 | 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 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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