Bay County property record for 409 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 775 sqft · built 1939 |
| Lot Size | 0.157 acres (6,839 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $150 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 17737-000-000 |
| Primary APN | 17737-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 775 sqft Heated Area |
| Gross Area | 922 sqft |
| 1st Floor Area | 775 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1939 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,839 sqft (0.157 acres) |
| Lot Dimensions | 140 ft deep x 49 ft wide |
| Garage Type | Detached |
| Driveway | Driveway |
| Driveway Area | 80 sqft |
| Porch | Porch |
| Porch Area | 147 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 409 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 | PINE HILL LOT 1 & W 18'' OF LOT 2 ORB 463 P 698 ORB 700 P 832 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | PINE HILL |
| Legal Lot Number | 1,2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 1600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 409 E 9TH ST, PANAMA CITY, FL 32401-2923 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| 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 | $21,878 (+2.9%) | $38,824 (+6.01%) Land $15,445 Building $23,379 | |
| 2024 | $150.00 (+9.49%) Homeowner's exemption | $21,261 (+3%) | $36,623 (+9.36%) Land $14,479 Building $22,144 |
| 2023 | $137.00 (-39.65%) Homeowner's exemption | $20,642 (+33.87%) | $33,490 (+51.71%) Land $13,031 Building $20,459 |
| 2022 | $227.00 Homeowner's exemption | $15,419 | $22,075 Land $9,701 Building $12,374 |
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 |
|---|---|
| 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 |
|
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 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.
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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