Bay County property record for 4918 E 2nd St, Panama City, FL 32404
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.393 acres (17,119 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Nov 2025) |
| Tax Bill | $501 (2025) |
| Deeds & Mortgages | Feb 2025 Construction Loan Feb 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25883-010-000 |
| Primary APN | 25883-010-000 |
|---|
| 1st Floor Area | 1,300 sqft |
|---|
| Lot Area | 17,119 sqft (0.393 acres) |
|---|---|
| Lot Dimensions | 173 ft deep x 99 ft wide |
| Street Address | 4918 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7046 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | PARKER PLAT ELY 1/2 OF LOT 37 DESC AS; COM AT THE NW COR OF LOT 37 TH RUN E 98.99 FOR POB TH CONT E 98.99 S 172.94 TH W 98.87 N 172.94 TO POB MAP 119D2 ORB 4753 P 2409 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | PARKER PLAT |
| Legal Lot Number | 37 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 900 |
4918 E 2nd St, vacant land, is owned and occupied by an individual who bought it in November 2025.
Source: Bay County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4918 E 2ND ST, PANAMA CITY, FL 32404-7046 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Feb 3, 2025 | Deed of Trust, Mortgage · Construction Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Feb 14, 2024 | Deed of Trust, Mortgage · Line of Credit SERVISFIRST BANK |
| Nov 10, 2025 | Warranty Deed, Transfer · FHA Mortgage POINT MORTGAGE CORP |
| Dec 31, 2024 | Warranty Deed, Transfer UNKNOWN, BURG TITLE LLC |
| Dec 1, 2023 | Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 10, 2025 · Amount on File |
| Deed Sale | Nov 10, 2025 · Amount on File |
| Prior Sale | Dec 1, 2023 · Amount on File |
| Deed Document Number | 202565268 |
| Deed Book / Page | 4971 / 1927 |
| Prior Transfer Date | May 13, 2016 |
| Prior Transfer Doc | 0038041844 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 4918 E 2ND ST, PANAMA CITY, FL 32404-7046 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 815 PLANTATION WAY, PANAMA CITY, FL 32404-8611 |
| Investor | Possibly a Property Investor |
| Document Number | 0048801526 |
|---|---|
| Date | Feb 3, 2025 |
| Book Page | 4880/1526 |
| Instrument | 2025005394 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32404 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 4918 E 2ND ST, PANAMA CITY, FL 32404-7046 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1121 HUB DR, PANAMA CITY BEACH, FL 32401-2460 |
| Investor | Possibly a Property Investor |
| Document Number | 0047731379 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | 4773/1379 |
| Instrument | 2024008216 |
| Name | SERVISFIRST BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 10, 2025 |
| Property Address | 4918 E 2ND ST, PANAMA CITY, FL 32404-7046 |
| Document Number | 0049711927 |
| Book / Page | 4971 / 1927 |
| Instrument Date | Nov 6, 2025 |
| Instrument | 2025065268 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | CLEAR TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 815 PLANTATION WAY, PANAMA CITY, FL 32404-8611 |
| Name | Verified Name |
|---|---|
| Address | 4918 E 2ND ST, PANAMA CITY, FL 32404-7046 |
| Document Number | 0049711929 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 4971/1929 |
| Name | POINT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Number | 0049711943 |
|---|---|
| Date | Nov 10, 2025 |
| Book Page | 4971/1943 |
| Instrument | 2025065270 |
| Name | POINT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHULA VISTA, CA 91910 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 31, 2024 |
| Property Address | 4918 E 2ND ST, PANAMA CITY, FL 32404-7046 |
| Document Number | 0048721647 |
| Book / Page | 4872 / 1647 |
| Instrument Date | Dec 30, 2024 |
| Instrument | 2024075511 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | UNKNOWN, BURG TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,295.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3413 DRAGONS RDG, P C BEACH, FL 32408-7220 |
| Name | Verified Name |
|---|---|
| Address | 815 PLANTATION WAY, PANAMA CITY, FL 32404-8611 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 1, 2023 |
| Property Address | 4918 E 2ND ST, PANAMA CITY, FL 32404-7046 |
| Document Number | 0047532409 |
| Book / Page | 4753 / 2409 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 2023075010 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,015.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 176 W PARKWAY, POMPTON PLNS, NJ 07444-1246 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 27931, PANAMA CITY, FL 32411-7931 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 4918 E 2nd St was $501, up 11.3% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Parker City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $501.00 (+11.33%) | $35,859 (+11.29%) Land $35,859 | $35,859 (+11.29%) Land $35,859 |
| 2024 | $450.00 (-4.05%) | $32,221 (-3.8%) Land $32,221 | $32,221 (-3.8%) Land $32,221 |
| 2023 | $469.00 (+53.77%) | $33,495 (+11.54%) Land $33,495 | $33,495 (+11.54%) Land $33,495 |
| 2022 | $305.00 | $30,030 Land $30,030 | $30,030 Land $30,030 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4918 E 2nd 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 38 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 44 units insured incl. 6 condo units |
| Nearby Flood Claims | 16 (1987–2018) |
| Claims Outside the SFHA | 8 of 16 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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 4918 E 2nd 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 Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 | PARKER, CITY OF WATER SYSTEM serves 4,358 people · EPA ID FL1030520 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Oct 2023 |
|---|---|
| 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 270 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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