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448 E 13th St, Panama City, FL 32401 Property Records

Bay County property record for 448 E 13th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,125 sqft · built 1940
Lot Size0.05 acres (2,178 sqft)
OwnerIndividual Name on File
Last Sale$13,000 (Mar 2020)
Tax Bill$850 (2025)
Deeds & MortgagesMar 2020 Sale
Flood ZoneZone X (minimal risk)
APN17632-000-000

Property Details

APN / Parcel Number

Primary APN17632-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,125 sqft Heated Area
Gross Area1,340 sqft
1st Floor Area1,638 sqft
FlooringTile
Interior WallsPlywood

Exterior

Year BuiltBuilt 1940
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area2,178 sqft (0.05 acres)
Lot Dimensions40 ft deep x 55 ft wide
PorchPorch
Porch Area279 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemHVAC

Location & Zoning

Street Address448 E 13TH ST
CityPANAMA CITY
StateFL
Zip32401-2873
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINE-LEA 3RD ADD BEG AT SE COR LOT 18 SWLY ALG S LOT LINE 66.37' N 117.50' TO
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionPINE-LEA 3RD ADD
Legal Block8
Legal Lot Number18
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2007
Census Tract1600

Owner

448 E 13th St is owned by an individual who bought it in March 2020.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Mailing Address1607 MARTIN LUTHER KING JR BLVD, PANAMA CITY, FL 32405-5429
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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 23, 2020 · Amount on File
Deed SaleMar 23, 2020 · Amount on File
Prior SaleMar 20, 2002 · Amount on File
Deed Document Number2020021216
Deed Book / Page4235 / 1096
Record UpdatedJun 8, 2026

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 23, 2020
Property Address448 E 13TH ST, PANAMA CITY, FL 32401-2873
Document Number0042351096
Book / Page004235 / 001096
Instrument DateMar 20, 2020
Instrument21216
Transaction TypeTransfer
Record UpdatedApr 15, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1607 MARTIN LUTHER KING JR BLVD PANAMA CITY FL 324055429, PANAMA CITY, FL 32405-5429

Tax Assessment & Valuation

The 2025 property tax bill for 448 E 13th St was $850.

Source: Bay County assessment roll, as of July 1, 2025

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$850.00$55,755 Land $8,976 Building $46,779$55,755 Land $8,976 Building $46,779
2023$979.00 (+12.66%)$48,205 (+13.07%) Land $7,573 Building $40,632$48,205 (+13.07%) Land $7,573 Building $40,632
2022$869.00$42,631 Land $5,638 Building $36,993$42,631 Land $5,638 Building $36,993

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

Flood

FEMA maps place 448 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 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 448 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 RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.01% 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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