Bay County property record for 510 E 13th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,834 sqft · built 1955 |
| Lot Size | 0.266 acres (11,587 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $468 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 17649-000-000 |
| Primary APN | 17649-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,834 sqft Heated Area |
| Gross Area | 2,383 sqft |
| 1st Floor Area | 1,834 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 11,587 sqft (0.266 acres) |
| Lot Dimensions | 125 ft deep x 93 ft wide |
| Porch | Porch |
| Porch Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 510 E 13TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | PINE-LEA 3RD ADD. LOT 28 ORB 315 P 674 BLK 9 ORB 2270 P 959 (2003-291-CP) |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | PINE-LEA 3RD ADD |
| Legal Block | 9 |
| Legal Lot Number | 28 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 1600 |
510 E 13th St is owned and occupied by two individuals.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 510 E 13TH ST, PANAMA CITY, FL 32401-2835 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 510 E 13th St was $468 with a homeowner's exemption, down 23% from the year before.
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 | $468.00 (-23.03%) Homeowner's exemption | $63,850 (+2.9%) | $109,546 (+6.16%) Land $27,974 Building $81,572 |
| 2024 | $608.00 (-7.32%) Homeowner's exemption | $62,051 (+5.97%) | $103,193 (+18.61%) Land $26,226 Building $76,967 |
| 2023 | $656.00 (-7.61%) Homeowner's exemption | $58,557 (+3%) | $87,002 (+15.49%) Land $23,603 Building $63,399 |
| 2022 | $710.00 Homeowner's exemption | $56,851 | $75,332 Land $17,571 Building $57,761 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 510 E 13th 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 |
| 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 510 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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