Bay County property record for 413 E 10th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,925 sqft · built 1912 |
| Lot Size | 0.321 acres (13,982 sqft) |
| Owner | Company Name on Record |
| Last Sale | $62,000 (Oct 2014) |
| Tax Bill | $463 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16675-000-000 |
| Primary APN | 16675-000-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,925 sqft Living Area |
| 1st Floor Area | 1,645 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,982 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 360 sqft |
| Porch | Patio |
| Porch Area | 760 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 413 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2974 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC14 |
| Legal Description | 4 4S 14W -215- BEG INTERSEC OF E RW CONE AVE & N RW 10TH ST TH E 100 N 140 W 100 S 140 TO POB BEING IN E1/2 OF NE1/4 OF NW1/4 OF SW1/4 ORB 3648 P 337 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Block | 562 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 1600 |
Source: Bay County records, as of May 6, 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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 607, CHIPLEY, FL 32428-0607 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2014 · Amount on Record |
| Deed Sale | Oct 17, 2014 · Amount on Record |
| Prior Sale | Jan 13, 2012 · Amount on Record |
| Deed Document Number | 201455449 |
| Deed Book / Page | 3648 / 337 |
| Prior Transfer Date | Jun 6, 2011 |
| Prior Transfer Doc | 0033290537 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 413 E 10TH ST, PANAMA CITY, FL 32401-2974 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0041050329 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | 4105/0329 |
| Instrument | 2019031429 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Nov 1, 2048 |
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 | $463.00 (-23.22%) Homeowner's exemption | $62,853 (+5.99%) | $143,868 (+17.17%) Land $31,360 Building $112,508 |
| 2024 | $603.00 (-14.83%) | ||
| 2023 | $708.00 (+7.11%) Homeowner's exemption | $59,303 (+3%) | $122,785 (+14.79%) Land $26,460 Building $96,325 |
| 2022 | $661.00 Homeowner's exemption | $57,576 | $106,964 Land $19,698 Building $87,266 |
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 |
|---|---|
| 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 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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