603 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 603 E 16th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,896 sqft · built 1960
Lot Size	0.321 acres (13,982 sqft)
Owner	2 Trust Names on File
Tax Bill	$2,100 (2024)
Deeds & Mortgages	May 2023 Sale Feb 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`14570-000-000`

Property Details

APN / Parcel Number

Primary APN	`14570-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,896 sqft Living Area
1st Floor Area	1,896 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,982 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Driveway	Driveway
Driveway Area	720 sqft
Porch	Open Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	603 E 16TH ST
City	PANAMA CITY
State	FL
Zip	32405-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	COAST. LANDS 2ND ADD. LOTS 23,24 BLK C ORB 4811 P 1498 MAP 104C3
Legal Range	14W
Legal Township	03S
Legal Section	33
Legal Subdivision	LANDS 2ND ADD
Legal Block	C
Legal Lot Number	23,24
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1012
Census Tract	1600

Owner

603 E 16th St is owner-occupied and held in a trust since March 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	603 E 16TH ST, PANAMA CITY, FL 32405-5420
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Warranty Deed, Transfer CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC
Feb 1, 2021	Warranty Deed, Transfer SETCO SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2025
Deed Sale	Mar 19, 2025
Prior Sale	Jun 13, 2024 · Amount on File
Deed Document Number	202515091
Deed Book / Page	4894 / 2216
Prior Transfer Date	Mar 6, 2025
Prior Transfer Doc	0048942216
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 8, 2023
Property Address	603 E 16TH ST, PANAMA CITY, FL 32405-5420
Document Number	0046861147
Book / Page	4686 / 1147
Map Reference	MB 3 PG 5
Instrument Date	May 5, 2023
Instrument	2023028224
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Tax	$917.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 WHITE OAKS BLVD, PANAMA CITY, FL 32409-2371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 ANNABELLAS DR, PANAMA CITY, FL 32407-6815

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 1, 2021
Property Address	603 E 16TH ST, PANAMA CITY, FL 32405-5420
Document Number	0043571310
Book / Page	4357 / 1310
Map Reference	MB 3 PG 5
Instrument Date	Jan 29, 2021
Instrument	2021007164
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 HARVEST RUN, 300, MCDONOUGH, GA 30252-4049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 WHITE OAKS BLVD, PANAMA CITY, FL 32409-2371

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		$306,232 (+168.19%)	$314,014 (+175.01%) Land $31,360 Building $282,654
2024	$2,100.00 (+33.16%)	$114,183 (+35.88%) Land $29,400 Building $84,783	$114,183 (+35.88%) Land $29,400 Building $84,783
2023	$1,577.00 (+12.64%)	$84,031 (+16.04%) Land $26,460 Building $57,571	$84,031 (+16.04%) Land $26,460 Building $57,571
2022	$1,400.00	$72,415 Land $19,698 Building $52,717	$72,415 Land $19,698 Building $52,717

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

Flood

FEMA maps place 603 E 16th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	32.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims Hurricane Opal, Oct 1995 · 2 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

Wildfire risk around 603 E 16th St is low, with less than 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 99.1% of the US · lower than 98.7% 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 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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