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415 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 415 E 12th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,464 sqft · built 1973
Lot Size0.438 acres (19,079 sqft)
Owner2 Individual Names on File
Tax Bill$2,540 (2025)
Deeds & MortgagesFeb 2024 Transfer
Feb 2024 Transfer
+ 5 more
Flood ZoneZone X (minimal risk)
APN17626-000-000

Property Details

APN / Parcel Number

Primary APN17626-000-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,464 sqft Living Area
Gross Area1,480 sqft
1st Floor Area1,464 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialOther
Lot Area19,079 sqft (0.438 acres)
Lot Dimensions125 ft deep x 110 ft wide
DrivewayDriveway
PorchStoop

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address415 E 12TH ST
CityPANAMA CITY
StateFL
Zip32401-2828
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC03
Legal DescriptionPINE-LEA 3RD ADD 105B2 LOTS 10, 11 & N1/2 LOT 9 BLK 8 ORB 4775 P 2390
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionPINE-LEA 3RD ADD
Legal Block8
Legal Lot Number9,10
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2007
Census Tract1600

Owner

415 E 12th St is owned by two individuals who acquired it in February 2024.

Source: Bay County records, as of August 11, 2026

Owner of Record2 Individual Names on File
Mailing Address6531 FOXHOLLOW LN, FAIRFAX STATION, VA 22039-1854
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2024Intrafamily Transfer, Transfer
Feb 22, 2024Intrafamily Transfer, Transfer
Mar 13, 2023Intrafamily Transfer, Transfer
Feb 24, 2023Intrafamily Transfer, Transfer
Oct 24, 2022Intrafamily Transfer, Transfer
Oct 24, 2022Intrafamily Transfer, Transfer
Oct 24, 2022Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateFeb 22, 2024
Transfer Doc0047752390
Record UpdatedSep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateFeb 22, 2024
Property Address415 E 12TH ST, PANAMA CITY, FL 32401-2828
Document Number0047752390
Book / Page4775 / 2390
Instrument DateFeb 22, 2024
Instrument2024009961
Transaction TypeTransfer
Record UpdatedMar 28, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2414 LUDMILA LN, TALLAHASSEE, FL 32303-3400

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2642 HERNDON RD, TALLAHASSEE, FL 32030

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateFeb 22, 2024
Property Address415 E 12TH ST, PANAMA CITY, FL 32401-2828
Document Number0047752390
Book / Page4775 / 2390
Instrument DateFeb 22, 2024
Instrument2024009961
Transaction TypeTransfer
Record UpdatedMar 22, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2414 LUDMILA LN, TALLAHASSEE, FL 32303-3400

Transferred To (Grantee/Buyer)

NameVerified Name
Address2642 HERNDON RD, LAWRENCEVILLE, GA 30043-6140

March 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateMar 13, 2023
Property Address415 E 12TH ST, PANAMA CITY, FL 32401-2828
Document Number0046661573
Book / Page4666 / 1573
Map ReferenceMB 4660 PG 711
Instrument DateMar 6, 2023
Instrument2023014909
Transaction TypeTransfer
Record UpdatedApr 4, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address409 ADELINE DR, SMYRNA, TN 37167-5230

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address415 E 12TH ST, PANAMA CITY, FL 32401-2828

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateFeb 24, 2023
Property Address415 E 12TH ST, PANAMA CITY, FL 32401-2828
Document Number0046600711
Book / Page4660 / 711
Map ReferenceMB 2 PG 26
Instrument DateFeb 4, 2023
Instrument2023011062
Transaction TypeTransfer
Record UpdatedMar 27, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address409 ADELINE DR, SMYRNA, TN 37167-5230

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address415 E 12TH ST, PANAMA CITY, FL 32401-2828

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateOct 24, 2022
Property Address415 E 12TH ST, PANAMA CITY, FL 32401-2828
Document Number0046231902
Book / Page4623 / 1902
Map ReferenceMB 2 PG 26
Instrument DateJul 15, 2022
Instrument2022077644
Transaction TypeTransfer
Record UpdatedNov 4, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2642 HERNDON RD, 2642, LAWRENCEVILLE, GA 30043-6140

Transferred To (Grantee/Buyer)

NameVerified Name
Address415 E 12TH ST, PANAMA CITY, FL 32401-2828

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateOct 24, 2022
Property Address415 E 12TH ST, PANAMA CITY, FL 32401-2828
Document Number0046231900
Book / Page4623 / 1900
Map ReferenceMB 2 PG 26
Instrument DateJun 29, 2022
Instrument2022077643
Transaction TypeTransfer
Record UpdatedNov 4, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address256 LASSITER DR, 256, ELLENWOOD, GA 30294-2983

Transferred To (Grantee/Buyer)

NameVerified Name
Address415 E 12TH ST, PANAMA CITY, FL 32401-2828

October 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateOct 24, 2022
Property Address415 E 12TH ST, PANAMA CITY, FL 32401-2828
Document Number0046231904
Book / Page4623 / 1904
Map ReferenceMB 2 PG 26
Instrument DateJun 27, 2022
Instrument2022077645
Transaction TypeTransfer
Record UpdatedNov 4, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6531 FOXHOLLOW LN, 6531, FAIRFAX STATION, VA 22039-1854

Transferred To (Grantee/Buyer)

NameVerified Name
Address415 E 12TH ST, PANAMA CITY, FL 32401-2828

Tax Assessment & Valuation

The 2025 property tax bill for 415 E 12th St was $2,540, up 44.2% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,540.00 (+44.15%)$141,885 Land $50,431 Building $91,454$141,885 Land $50,431 Building $91,454
2024$1,762.00 (-3.56%)
2023$1,827.00 (+11.2%) Homeowner's exemption$121,434 (+19.53%) Land $42,546 Building $78,888$121,434 (+18.29%) Land $42,546 Building $78,888
2022$1,643.00 Homeowner's exemption$101,597$102,658 Land $31,673 Building $70,985

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

Flood

FEMA maps place 415 E 12th 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims9 (2008–2023)
Claims Outside the SFHA6 of 9
Most Recent ClaimDec 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

Wildfire risk around 415 E 12th 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 214 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75

May also be available: AT&T, T-Mobile.

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