403 E 9th St, Panama City, FL 32401 Property Records

Bay County property record for 403 E 9th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,046 sqft · built 1994
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Tax Bill	$698 (2023)
Deeds & Mortgages	Aug 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`17753-000-000`

Property Details

APN / Parcel Number

Primary APN	`17753-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,046 sqft Living Area
Gross Area	2,598 sqft
1st Floor Area	1,926 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	160 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	552 sqft
Driveway	Driveway
Driveway Area	700 sqft
Porch	Florida Room
Porch Area	216 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 E 9TH ST
City	PANAMA CITY
State	FL
Zip	32401-2923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	GREEN GABLES PLAT LOT 2 & S 25 OF LOT 3 BLK 1 MAP 105B3 ORB 4155 P 1826
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	GREEN GABLES PLAT
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2030
Census Tract	1600

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 E 9TH ST, PANAMA CITY, FL 32401-2923
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 9, 2019
Transfer Doc	0041551826
Record Updated	Jun 8, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Aug 13, 2019
Property Address	403 E 9TH ST, PANAMA CITY, FL 32401-2923
Document Number	0041551826
Book / Page	004155 / 001826
Instrument Date	Aug 9, 2019
Instrument	72606
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	403 E 9TH ST PANAMA CITY FL 324012923, PANAMA CITY, FL 32401-2923

Tax Assessment & Valuation

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	Homeowner's exemption Disabled Person's exemption	$109,606 (+5.58%)	$186,292 (+21.05%) Land $19,776 Building $166,516
2023	$698.00 (-14.88%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$103,812 (+3%)	$153,896 (+12.01%) Land $16,686 Building $137,210
2022	$820.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$100,788	$137,400 Land $12,421 Building $124,979

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

Flood

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 A, within 500 ft
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	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 4 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 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