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

Bay County property record for 513 E 8th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,464 sqft · built 1963
Lot Size	0.126 acres (5,488 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Mar 2023)
Tax Bill	$2,386 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Mar 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18023-000-000`

Property Details

APN / Parcel Number

Primary APN	`18023-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,464 sqft Living Area
1st Floor Area	1,464 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,488 sqft (0.126 acres)
Lot Dimensions	145 ft deep x 38 ft wide
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Driveway	Driveway
Driveway Area	240 sqft
Porch	Unfinished Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	513 E 8TH ST
City	PANAMA CITY
State	FL
Zip	32401-3529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	4 4S 14W UP-653- BEG 167 W OF SW COR LOT 12 BLK 2PINEVIEW ADD. W 38 N 145 E 38 S 145 TO BEG ORB 4662 P 1044
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	PINEVIEW ADD
Legal Block	2
Legal Lot Number	12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2039
Census Tract	1600

Owner

Source: Bay County records, as of September 28, 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
Mailing Address	513 E 8TH ST, PANAMA CITY, FL 32401-3529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAND-HOME FINANCIAL SERVICES
Mar 1, 2023	Warranty Deed, Transfer · VA Mortgage LAND-HOME FINANCIAL SERVICES
May 19, 2022	Deed of Trust, Mortgage · Commercial Mortgage COMMERCIAL LENDER LLC
Nov 10, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 26, 2017	Tax Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2023 · Amount on Record
Deed Sale	Mar 1, 2023 · Amount on Record
Prior Sale	Nov 10, 2021 · Amount on Record
Deed Document Number	202312189
Deed Book / Page	4662 / 1044
Prior Transfer Date	May 29, 2013
Prior Transfer Doc	0039400979
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	513 E 8TH ST, PANAMA CITY, FL 32401-3529
Transaction Type	Mortgage
Record Updated	Apr 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 E 8TH ST, PANAMA CITY, FL 32401-3529

Mortgage

Document Number	0046750527
Date	Apr 4, 2023
Book Page	4675/527
Instrument	2023020638

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CASPAR, CA 95420

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 1, 2023
Property Address	513 E 8TH ST, PANAMA CITY, FL 32401-3529
Document Number	0046621044
Book / Page	4662 / 1044
Instrument Date	Feb 28, 2023
Instrument	2023012189
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 16355, PANAMA CITY, FL 32406-6355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	590 SUWANNEE RD # 93, 93, TYNDALL AFB, FL 32403-5558

Mortgage

Document Number	0046621046
Date	Mar 1, 2023
Instrument	4662/1046

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	513 E 8TH ST, PANAMA CITY, FL 32401-3529
Transaction Type	Mortgage
Record Updated	Jun 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 E 25TH ST, PANAMA CITY, FL 32405-5219

Mortgage

Document Number	0045660327
Date	May 19, 2022
Book Page	4566/327
Instrument	2022038082

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution
Address	VERNON ROCKVILLE, CT 06066

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jun 1, 2023

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 10, 2021
Property Address	513 E 8TH ST, PANAMA CITY, FL 32401-3529
Document Number	0044850609
Book / Page	4485 / 609
Instrument Date	Nov 10, 2021
Instrument	2021086354
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 HARRISON AVEC, 455, PANAMA CITY, FL 32401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3412 PRETTY BAYOU CT, PANAMA CITY, FL 32405-1749

September 2017: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	BAY FL
Recording Date	Sep 26, 2017
Property Address	513 E 8TH ST, PANAMA CITY, FL 32401-3529
Document Number	0039400979
Book / Page	003940 / 000979
Instrument Date	Sep 26, 2017
Instrument	55361
Transaction Type	Foreclosure
Record Updated	Nov 1, 2017

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	105 W 5TH ST PANAMA CITY BEACH FL 324012603, PANAMA CITY BEACH, FL 32401-2603

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,386.00 (-10.97%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$198,108 (+32.69%)	$198,460 (+32.93%) Land $12,038 Building $186,422
2024	$2,680.00 (+48.72%)
2023	$1,802.00 (+50.42%)	$149,296 (+145.67%) Land $10,157 Building $139,139	$149,296 (+145.67%) Land $10,157 Building $139,139
2022	$1,198.00	$60,770 Land $7,561 Building $53,209	$60,770 Land $7,561 Building $53,209

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	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 Risk	Low lower than 99.8% of the US · lower than 99.7% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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