Bay County property record for 523 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,304 sqft · built 1945 |
| Lot Size | 0.266 acres (11,586 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,023 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 17957-000-000 |
| Primary APN | 17957-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 1,304 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,586 sqft (0.266 acres) |
| Lot Dimensions | 145 ft deep x 80 ft wide |
| Garage Type | Carport |
| Garage Area | 480 sqft |
| Carport | Carport |
| Carport Area | 480 sqft |
| Driveway | Driveway |
| Driveway Area | 1,116 sqft |
| Porch | Open Porch |
| Porch Area | 174 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 523 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3580 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | PINE VIEW LOTS 9 & 10 ORB 320 P 487,488 BLK 2 ORB 3272 P 836 MAP 105C3 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | PINE VIEW |
| Legal Block | 2 |
| Legal Lot Number | 9,10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 1600 |
Source: Bay County records, as of August 4, 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 | 1019 COTTONWOOD DR, DESOTO, TX 75115-4155 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2010 |
| Deed Sale | Sep 30, 2010 |
| Deed Document Number | 201051355 |
| Deed Book / Page | 3272 / 836 |
| Record Updated | Sep 20, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,023.00 (-17.57%) | $63,941 (+11.46%) | $66,583 (+16.07%) Land $25,344 Building $41,239 |
| 2024 | $1,241.00 (+11.1%) | ||
| 2023 | $1,117.00 (+14.68%) | $57,366 (+19.99%) Land $21,384 Building $35,982 | $57,366 (+19.99%) Land $21,384 Building $35,982 |
| 2022 | $974.00 | $47,808 Land $15,919 Building $31,889 | $47,808 Land $15,919 Building $31,889 |
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 |
|---|---|
| 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 | 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 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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