Bay County property record for 4010 E 12th Ct, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 1977 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $80,100 (Sep 1999) |
| Tax Bill | $912 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15178-885-000 |
| Primary APN | 15178-885-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,196 sqft Heated Area |
| Gross Area | 1,716 sqft |
| 1st Floor Area | 1,196 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 520 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4010 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 14 ORB 1901 P 1537 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Legal Subdivision | COUNTRY LAKE ESTATE |
| Legal Lot Number | 14 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 1100 |
The current owner of 4010 E 12th Ct acquired it in October 1999.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 4010 E 12TH CT, PANAMA CITY, FL 32404-5821 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 1999 · Amount on File |
| Deed Sale | Sep 30, 1999 · Amount on File |
| Deed Document Number | 0019011537 |
| Deed Book / Page | 1901 / 1537 |
| Last Transfer Date | Oct 1, 1999 |
| Transfer Doc | 0019011537 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4010 E 12th Ct was $912 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $912.00 Homeowner's exemption | $99,596 | $137,302 Land $35,000 Building $102,302 |
| 2023 | $1,051.00 (+9.37%) Homeowner's exemption | $93,970 (+3%) | $125,173 (+27.41%) Land $27,814 Building $97,359 |
| 2022 | $961.00 Homeowner's exemption | $91,233 | $98,243 Land $22,800 Building $75,443 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4010 E 12th Ct in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
|
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 4010 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.
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 |
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.
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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