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509 E 8th St, Panama City, FL 32401 Property Records

Bay County property record for 509 E 8th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,056 sqft · built 2020
Lot Size0.126 acres (5,489 sqft)
Owner2 Individual Names on Record
Last Sale$2,700 (Aug 1990)
Tax Bill$257 (2023)
Deeds & MortgagesAug 2019 Loan Modification
Oct 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN18025-000-000

Property Details

APN / Parcel Number

Primary APN18025-000-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,056 sqft Heated Area
Gross Area1,200 sqft
1st Floor Area820 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,489 sqft (0.126 acres)
Lot Dimensions145 ft deep x 38 ft wide
DrivewayDriveway
Driveway Area576 sqft
PorchPorch
Porch Area156 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address509 E 8TH ST
CityPANAMA CITY
StateFL
Zip32401-3529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal Description4 4S 14W UP -653- 69A BEG 243' W OF SW COR LOT 12 BLK 2 PINEVIEW ADD TH W 38' N 145' E
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionPINEVIEW
Legal Block2
Legal Lot Number12
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2039
Census Tract1600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address509 E 8TH ST, PANAMA CITY, FL 32401-3529
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 23, 2019Loan Modification, Mortgage
US SMALL BUSINESS ADMINISTRATI
Oct 23, 2018Deed of Trust, Mortgage
US SMALL BUSN ADMN

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 8, 1990 · Amount on Record
Deed SaleAug 8, 1990 · Amount on Record
Deed Document Number0012831791
Record UpdatedJun 8, 2026

August 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address509 E 8TH ST, PANAMA CITY, FL 32401-3529
Document Number0041592215
Instrument DateAug 23, 2019
Transaction TypeMortgage
Record UpdatedOct 17, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address509 E 8TH ST PANAMA CITY FL 324013529, PANAMA CITY, FL 32401-3529

Mortgage

Document Number0041592215
DateAug 23, 2019
Book Page004159/002215
Instrument75822
Lender
NameUS SMALL BUSINESS ADMINISTRATI
Address2 20TH ST N # 320, BIRMINGHAM, AL 35203-4002
Agreement
AmountAmount Recorded
Term360 Months
DueAug 22, 2049

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address509 E 8TH ST, PANAMA CITY, FL 32401-3529
Document Number0040700069
Instrument DateOct 23, 2018
Transaction TypeMortgage
Record UpdatedJan 17, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address509 E 8TH ST PANAMA CITY BEACH FL 324013529, PANAMA CITY BEACH, FL 32401-3529

Mortgage

Document Number0040700069
DateDec 17, 2018
Book Page004070/000069
Instrument76076
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35203
Agreement
AmountAmount Recorded
Term360 Months
DueDec 16, 2048

Tax Assessment & Valuation

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
2025Homeowner's exemption$12,641 (+5.99%)$122,880 (+16.2%) Land $12,038 Building $110,842
2023$257.00 (-25.94%) Homeowner's exemption$11,927 (+3%)$105,745 (+12.13%) Land $10,157 Building $95,588
2022$347.00 Homeowner's exemption$11,580$94,302 Land $7,561 Building $86,741

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

Flood

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
Nearest Special Flood Hazard AreaZone A, within 500 ft
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

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% 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 271 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
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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