Bay County property record for 402 E 10th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1979 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Owner Name on File |
| Last Sale | $40,000 (Apr 2002) |
| Tax Bill | $1,181 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 17746-010-000 |
| Primary APN | 17746-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,040 sqft Heated Area |
| 1st Floor Area | 1,040 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 115 ft deep x 95 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 402 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | PINE HILL MAP 105B3 LOTS 14,15 ORB 3550 P 1226 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | PINE HILL |
| Legal Lot Number | 14,15 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 1600 |
The current owner of 402 E 10th St acquired it in September 2013.
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 308 E 10TH ST, PANAMA CITY, FL 32401-2931 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2002 · Amount on File |
| Deed Sale | Apr 2, 2002 · Amount on File |
| Prior Sale | Apr 3, 2002 · Amount on File |
| Deed Document Number | 0021291725 |
| Last Transfer Date | Sep 23, 2013 |
| Transfer Doc | 0035501226 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 402 E 10th St was $1,181.
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 | $1,181.00 | $79,375 Land $27,751 Building $51,624 | $79,375 Land $27,751 Building $51,624 |
| 2023 | $1,247.00 (+28.29%) | $68,059 (+42.39%) Land $23,415 Building $44,644 | $68,059 (+42.39%) Land $23,415 Building $44,644 |
| 2022 | $972.00 | $47,797 Land $17,431 Building $30,366 | $47,797 Land $17,431 Building $30,366 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 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 402 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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