Bay County property record for 440 E 13th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 933 sqft · built 1942 |
| Lot Size | 0.328 acres (14,287 sqft) |
| Owner | Individual Name on File |
| Last Sale | $21,500 (Oct 2015) |
| Tax Bill | $894 (2025) |
| Deeds & Mortgages | Aug 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 17632-020-000 |
| Primary APN | 17632-020-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 933 sqft Living Area |
| 1st Floor Area | 933 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,287 sqft (0.328 acres) |
| Lot Dimensions | 96 ft deep x 78 ft wide |
| Porch | Open Porch |
| Porch Area | 176 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 440 E 13TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | PINE LEA 3RD ADD LOTS 18 & 19 LESS TO PCLS KWN AS #17632, 17632-005 & -010- BLK 8 ORB 3924 P 698 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | PINE LEA 3RD ADD |
| Legal Block | 8 |
| Legal Lot Number | 18,19 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 1600 |
440 E 13th St is owned by an individual who acquired it in August 2017.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1607 MARTIN LUTHER KING JR BLVD, PANAMA CITY, FL 32405-5429 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 20, 2015 · Amount on File |
| Deed Sale | Oct 20, 2015 · Amount on File |
| Prior Sale | Jul 16, 2014 |
| Deed Document Number | 201557839 |
| Deed Book / Page | 3742 / 1784 |
| Last Transfer Date | Aug 3, 2017 |
| Transfer Doc | 0039240698 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 3, 2017 |
| Property Address | 440 E 13TH ST, PANAMA CITY, FL 32401 |
| Document Number | 0039240698 |
| Book / Page | 003924 / 000698 |
| Instrument Date | Aug 3, 2017 |
| Instrument | 43989 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1607 MARTIN LUTHER KING JR BLVD PANAMA CITY FL 324055429, PANAMA CITY, FL 32405-5429 |
The 2025 property tax bill for 440 E 13th St was $894, down 37.1% from the year before.
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 | $894.00 (-37.13%) | $53,879 | $62,076 Land $37,261 Building $24,815 |
| 2024 | $1,422.00 (+44.22%) | ||
| 2023 | $986.00 (+19.23%) | $53,025 (+23.16%) Land $31,438 Building $21,587 | $53,025 (+23.16%) Land $31,438 Building $21,587 |
| 2022 | $827.00 | $43,053 Land $23,403 Building $19,650 | $43,053 Land $23,403 Building $19,650 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 E 13th 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 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.
Wildfire risk around 440 E 13th St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 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 214 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 |
May also be available: AT&T, T-Mobile.
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