603 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 603 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,658 sqft · built 1945
Lot Size	0.28 acres (12,196 sqft)
Owner	Individual Name on Record
Tax Bill	$2,391 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20703-000-000`

Property Details

APN / Parcel Number

Primary APN	`20703-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,658 sqft Living Area
1st Floor Area	1,658 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,196 sqft (0.28 acres)
Lot Dimensions	136 ft deep x 90 ft wide
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	603 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. LOT 14 & W 40 LOT 15 BLK 24 ORB 4573 P 1870 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	24
Legal Lot Number	14,15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2007
Census Tract	1900

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	Individual Name on Record
Mailing Address	603 E 2ND PL, PANAMA CITY, FL 32401-3806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage TYNDALL FCU
Jan 3, 2018	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 1, 2022
Transfer Doc	0045731870
Record Updated	Jun 8, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Jun 8, 2022
Property Address	603 E 2ND PL, PANAMA CITY, FL 32401-3806
Document Number	0045731870
Book / Page	4573 / 1870
Map Reference	MB 1 PG 30
Instrument Date	Jun 1, 2022
Instrument	2022043107
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	603 2ND P1 E, 603, PANAMA CITY, FL 32401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E 2ND PL, PANAMA CITY, FL 32401-3806

Mortgage

Document Number	0045731872
Date	Jun 8, 2022
Instrument	4573/1872

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	603 E 2ND PL, PANAMA CITY, FL 32401-3806
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E 2ND PL, PANAMA CITY, FL 32401-3806

Mortgage

Document Number	0039680336
Date	Jan 3, 2018
Book Page	3968/0336
Instrument	2018000618

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 15, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,391.00 (-2.73%) Homeowner's exemption	$193,430 (+5.99%)	$223,651 (+22.55%) Land $60,674 Building $162,977
2024	$2,458.00 (-1.29%)
2023	$2,490.00 (+182.31%) Homeowner's exemption	$182,504 (+135.03%) Land $52,380 Building $130,124	$182,504 (+50.2%) Land $52,380 Building $130,124
2022	$882.00 Homeowner's exemption	$77,650	$121,507 Land $45,483 Building $76,024

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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 98% of the US · lower than 97.6% 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 437 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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