Bay County property record for 403 E 16th St, Panama City, FL 32405
| Property Type | Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 1,304 sqft · built 1939 |
| Lot Size | 0.769 acres (33,497 sqft) |
| Owner | Company Name on File |
| Last Sale | $30,000 (Jan 2025) |
| Tax Bill | $449 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14460-000-000 |
| Primary APN | 14460-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,304 sqft |
| Gross Area | 1,616 sqft |
| 1st Floor Area | 1,304 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 33,497 sqft (0.769 acres) |
| Lot Dimensions | 128 ft deep x 264 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 288 sqft |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Radiant |
| Street Address | 403 E 16TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5456 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | PC09 |
| Legal Description | 33 3S 14W -53- S1/2 OF NE1/4 OF SW1/4 OF SW1/4 LESS E 132 & LESS W 264 ORB 2539 P 1635 SUB TO ESMTS REC IN DB 272 P 500 & ORB 3368 P 2358 LESS -53.1- |
| 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 |
403 E 16th St, vacant land, is owned by a company that bought it in January 2025.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4402 DEER POINT COVE LN, PANAMA CITY, FL 32404-4288 |
| Owner Type | Company |
| Vesting | Company |
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 | Jan 15, 2025 · Amount on File |
| Deed Sale | Jan 15, 2025 · Amount on File |
| Deed Document Number | 20252271 |
| Deed Book / Page | 4876 / 287 |
| Prior Transfer Date | Nov 28, 2011 |
| Prior Transfer Doc | 0033682358 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 403 E 16th St was $449, down 8% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $449.00 (-7.99%) | $28,468 Land $28,468 | $28,468 Land $28,468 |
| 2024 | $488.00 (-64.3%) | ||
| 2023 | $1,367.00 (+20.33%) | $82,932 (+33.8%) Land $81,972 Building $960 | $82,932 (+33.8%) Land $81,972 Building $960 |
| 2022 | $1,136.00 | $61,983 Land $61,023 Building $960 | $61,983 Land $61,023 Building $960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 E 16th St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 403 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures