Bay County property record for 418 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,716 sqft · built 1934 |
| Lot Size | 0.362 acres (15,768 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $478 (2025) |
| Deeds & Mortgages | Aug 2022 Re-recorded Document Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16700-000-000 |
| Primary APN | 16700-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,716 sqft Living Area |
| 1st Floor Area | 1,524 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,768 sqft (0.362 acres) |
| Lot Dimensions | 200 ft deep x 79 ft wide |
| Garage Type | Carport |
| Garage Area | 360 sqft |
| Carport | Carport |
| Carport Area | 360 sqft |
| Porch | Florida Room |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 418 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | 4 4S 14W -240- 69A BEG 72.65 E OF NW COR OF NE1/4 OF SW1/4 OF SW1/4 TH S 200 E 79N 200 W 79 TO BEG ORB 4838 P 2360 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 1600 |
Source: Bay County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 418 E 9TH ST, PANAMA CITY, FL 32401-2924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 16, 2022 | Re-recorded Document |
| Jul 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF PANAMA CITY CMNTY REDE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 9, 2024 |
| Transfer Doc | 0048382360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 16, 2022 |
| Property Address | 418 E 9TH ST, PANAMA CITY, FL 32401-2924 |
| Document Number | 0045991532 |
| Book / Page | 4599 / 1532 |
| Instrument Date | Aug 16, 2022 |
| Instrument | 2022060852 |
| Record Updated | Sep 9, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 418 E 9TH ST, 418, PANAMA CITY, FL 32401-2924 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1104 SONORA ST, MADERA, CA 93638-1550 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 418 E 9TH ST, PANAMA CITY, FL 32401-2924 |
| Document Number | 0040432082 |
| Instrument Date | Jul 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2018 |
| Name | Verified Name |
|---|---|
| Address | 418 E 9TH ST PANAMA CITY FL 324012924, PANAMA CITY, FL 32401-2924 |
| Document Number | 0040432082 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 004043/002082 |
| Instrument | 52720 |
| Name | CITY OF PANAMA CITY CMNTY REDE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $478.00 (-22.53%) Homeowner's exemption | $65,633 (+5.99%) | $95,904 (+16.3%) Land $27,302 Building $68,602 |
| 2024 | $617.00 (-7.77%) | ||
| 2023 | $669.00 (-7.72%) Homeowner's exemption | $61,925 (+3%) | $82,466 (+15.77%) Land $23,036 Building $59,430 |
| 2022 | $725.00 Homeowner's exemption | $60,121 | $71,232 Land $17,149 Building $54,083 |
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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