531 E 7th Ct, Panama City, FL 32401 Property Records

Bay County property record for 531 E 7th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 863 sqft · built 1940
Lot Size	0.114 acres (4,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$74,000 (Mar 2025)
Tax Bill	$231 (2025)
Deeds & Mortgages	Apr 2026 Sale Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`17711-000-000`

Property Details

APN / Parcel Number

Primary APN	`17711-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	863 sqft Living Area
1st Floor Area	863 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,965 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Driveway	Driveway
Driveway Area	104 sqft
Porch	Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	531 E 7TH CT
City	PANAMA CITY
State	FL
Zip	32401-3513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	ST CHARLES ADD. LOT 7 BLK 3 FILE#49084 MAP 105C3 ORB 4081 P 392
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	ST CHARLES ADD
Legal Block	3
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2042
Census Tract	1600

Owner

Source: Bay County records, as of May 7, 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	531 E 7TH CT, PANAMA CITY, FL 32401-3513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 22, 2019	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2025 · Amount on Record
Deed Sale	Mar 31, 2025 · Amount on Record
Prior Sale	Jan 22, 2019 · Amount on Record
Deed Document Number	202517427
Deed Book / Page	4898 / 1256
Last Transfer Date	Apr 23, 2026
Transfer Doc	0000024306
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Apr 23, 2026
Property Address	531 E 7TH CT, PANAMA CITY, FL 32401-3513
Document Number	0000024306
Book / Page	5027 / 95
Instrument Date	Apr 23, 2026
Instrument	202624306
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	531 E 7TH CT, PANAMA CITY, FL 32401-3513

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 22, 2019
Property Address	531 E 7TH CT, PANAMA CITY, FL 32401-3513
Document Number	0040810392
Book / Page	004081 / 000392
Instrument Date	Jan 18, 2019
Instrument	7863
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$448.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	251 MATTIES WAY DESTIN FL 325413442, DESTIN, FL 32541-3442

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	$231.00 (-83.82%) Homeowner's exemption Additional exemption filed	$68,434 (+4.81%) Land $12,032 Building $56,402	$68,434 (+4.81%) Land $12,032 Building $56,402
2024	$1,428.00 (+9.85%)
2023	$1,300.00 (+13.54%)	$65,292 (+14.1%) Land $10,152 Building $55,140	$65,292 (+14.1%) Land $10,152 Building $55,140
2022	$1,145.00	$57,222 Land $7,557 Building $49,665	$57,222 Land $7,557 Building $49,665

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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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