Bay County property record for 509 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,380 sqft · built 1945 |
| Lot Size | 0.455 acres (19,863 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $52,000 (Apr 2003) |
| Tax Bill | $1,492 (2025) |
| Deeds & Mortgages | Sep 2022 Transfer Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17729-000-000 |
| Primary APN | 17729-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,380 sqft Heated Area |
| Gross Area | 1,500 sqft |
| 1st Floor Area | 1,058 sqft |
| 2nd Floor Area | 322 sqft |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,863 sqft (0.455 acres) |
| Lot Dimensions | 140 ft deep x 48 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 509 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | SUNNY SIDE ADD. LOT 13 & 14 & PINE HILL LOT 6 ORB 450 P 337 ORB 315 P 212 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | SUNNY SIDE ADD |
| Legal Lot Number | 6,13,14 14 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 1600 |
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 Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 509 E 9TH ST, PANAMA CITY, FL 32401-2925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2003 · Amount on Record |
| Deed Sale | Apr 3, 2003 · Amount on Record |
| Prior Sale | Apr 3, 2003 · Amount on Record |
| Deed Document Number | 0022600208 |
| Last Transfer Date | Sep 30, 2022 |
| Transfer Doc | 0046160024 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 30, 2022 |
| Property Address | 509 E 9TH ST, PANAMA CITY, FL 32401-2925 |
| Document Number | 0046160024 |
| Book / Page | 4616 / 24 |
| Map Reference | MB 2 PG 11 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 2022072246 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 509 E 9TH ST, 509, PANAMA CITY, FL 32401-2925 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 509 E 9TH ST, PANAMA CITY, FL 32401-2925 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 509 E 9TH ST, PANAMA CITY, FL 32401-2925 |
| Document Number | 0045231937 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 4523/1937 |
| Instrument | 2022010887 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2037 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,492.00 (+125.38%) | $94,486 (+45.57%) Land $44,531 Building $49,955 | $94,486 (+16.51%) Land $44,531 Building $49,955 |
| 2023 | $662.00 (-7.67%) Homeowner's exemption | $64,908 (+3%) | $81,095 (+19.82%) Land $37,572 Building $43,523 |
| 2022 | $717.00 Homeowner's exemption | $63,017 | $67,682 Land $27,971 Building $39,711 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 336 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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