425 E 19th St, Panama City, FL 32405 Property Records

Bay County property record for 425 E 19th St, Panama City, FL 32405

Property Summary

Property Type	Apartment House (2-4 Units)
Details	18 bd · 9 ba · 43,488 sqft · built 1984
Lot Size	5 acres (217,800 sqft)
Owner	Company Name on File
Tax Bill	$35,341 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14423-020-000`

Property Details

APN / Parcel Number

Primary APN	`14423-020-000`

Interior

Bedrooms	18 Beds
Full Baths	9 Baths
Units	7 Units
Stories	1 Story
Building Area	43,488 sqft Living Area
1st Floor Area	43,488 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1990
Architectural Style	Multi-Family
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	217,800 sqft (5 acres)
Patio Area	72 sqft
Lawn Sprinklers	Lawn Sprinklers
Total Buildings	9 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	425 E 19TH ST
City	PANAMA CITY
State	FL
Zip	32405-4721
Property Category	Commercial
Property Type	Residential > Multi-Unit > Apartment House (2-4 Units)
Local Zoning Code	PC09
Legal Description	33 3S 14W -20.20- MAP 104C2 BEG 50 N & 724.36 E OF SW COR OF NW1/4 TH N 435.80 E 510.04 SLY 107.59 S 328.19 W 500 TO POB ORB 1360 P 793 ORB 1418 P 808
Legal Range	14W
Legal Township	03S
Legal Section	33
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1004
Census Tract	1600

Owner

425 E 19th St, a residential property, is owned by a company.

Source: Bay County records, as of July 9, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 607, CHIPLEY, FL 32428-0607
Owner Type	Company

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

Date	Document
Apr 11, 2019	Deed of Trust, Mortgage FIRST UNITED BK
Mar 28, 2019	Deed of Trust, Mortgage FIRST UNITED BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	425 E 19TH ST, PANAMA CITY, FL 32405-4721
Document Number	0041120847
Instrument Date	Apr 11, 2019
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1020-789 W PENDER ST

Mortgage

Document Number	0041120847
Date	Apr 15, 2019
Book Page	004112/000847
Instrument	37751

Lender

Name	FIRST UNITED BK
Type	Bank
Address	6401 S CUSTER RD # 100, MCKINNEY, TX 75070-3129

Agreement

Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	425 E 19TH ST, PANAMA CITY, FL 32405-4721
Document Number	0041061308
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1020-789 W PENDER ST

Mortgage

Document Number	0041061308
Date	Mar 29, 2019
Book Page	004106/001308
Instrument	32802

Lender

Name	FIRST UNITED BK
Type	Bank
Address	MCKINNEY, TX 75070

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 425 E 19th St was $35,341, down 19.3% from the year before.

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	$35,341.00 (-19.28%)	$2,237,671 Land $200,000 Building $2,037,671	$2,237,671 Land $200,000 Building $2,037,671
2024	$43,781.00 (-6.84%)
2023	$46,995.00 (+20.99%)	$3,289,389 (+18.12%) Land $200,000 Building $3,089,389	$3,289,389 (+18.12%) Land $200,000 Building $3,089,389
2022	$38,841.00	$2,784,853 Land $200,000 Building $2,584,853	$2,784,853 Land $200,000 Building $2,584,853

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

Flood

FEMA maps place 425 E 19th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims Hurricane Opal, Oct 1995 · 2 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 425 E 19th St is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon, WOW Internet, Cable & Phone.

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