522 E 9th St, Panama City, FL 32401 Property Records

Bay County property record for 522 E 9th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,229 sqft · built 1943
Lot Size	0.268 acres (11,674 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Jan 2025)
Tax Bill	$3,021 (2025)
Deeds & Mortgages	Feb 2023 Transfer Feb 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18016-000-000`

Property Details

APN / Parcel Number

Primary APN	`18016-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,229 sqft Living Area
Gross Area	1,392 sqft
1st Floor Area	1,229 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,674 sqft (0.268 acres)
Lot Dimensions	154 ft deep x 38 ft wide
Porch	Porch
Porch Area	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant

Location & Zoning

Street Address	522 E 9TH ST
City	PANAMA CITY
State	FL
Zip	32401-2968
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	4 4S 14W -653- 69A BEG 129W OF NW COR LOT 14 BLK 1 PINEVIEW ADD W 76 S 154 E 76 N 154 TO BEG ORB 4655 P 417
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	PINEVIEW ADD
Legal Block	1
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2034
Census Tract	1600

Owner

Source: Bay County records, as of January 5, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	522 E 9TH ST, PANAMA CITY, FL 32401-2968
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 7, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2025 · Amount on Record
Deed Sale	Jan 24, 2025 · Amount on Record
Prior Sale	Jan 6, 2015 · Amount on Record
Deed Document Number	20253604
Deed Book / Page	4878 / 317
Last Transfer Date	Feb 3, 2025
Transfer Doc	0048812407
Record Updated	Sep 20, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 7, 2023
Property Address	522 E 9TH ST, PANAMA CITY, FL 32401-2968
Document Number	0046550417
Book / Page	4655 / 417
Instrument Date	Feb 7, 2023
Instrument	2023007496
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1836 N EAST AVE, PANAMA CITY, FL 32405-6257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 E 17TH ST, PANAMA CITY, FL 32405-6142

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 7, 2023
Property Address	522 E 9TH ST, PANAMA CITY, FL 32401-2968
Document Number	0046550420
Book / Page	4655 / 420
Instrument Date	Feb 7, 2023
Instrument	2023007497
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1836 N EAST AVE, PANAMA CITY, FL 32405-6257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 E 17TH ST, PANAMA CITY, FL 32405-6142

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	$3,021.00 (+680.62%)	$191,025 (+1,743.51%)	$191,930 (+1,752.25%) Land $24,564 Building $167,366
2024	$387.00 (+12.5%)
2023	$344.00 (+6.83%)	$10,362 (+34.33%) Land $10,362	$10,362 (+34.33%) Land $10,362
2022	$322.00	$7,714 Land $7,714	$7,714 Land $7,714

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
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 97% of the US · lower than 96% 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.

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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
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: Hotwire Communications.

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