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

Bay County property record for 604 E 7th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1940
Lot Size	0.227 acres (9,888 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Dec 2020)
Tax Bill	$988 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jan 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17996-000-000`

Property Details

APN / Parcel Number

Primary APN	`17996-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	100 ft deep x 99 ft wide
Porch	Unfinished Open Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	604 E 7TH CT
City	PANAMA CITY
State	FL
Zip	32401-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	4 4S 14W UP-103- 69A BEG 357 N & 222.92 E OF SW COR OF SE1/4 OF SE1/4 OF SW1/4 E 98.86 S 100 W 98.86 N 100 TO BEG KNOWN AS LOTS 8,9,10, BLK 2 BREWTONS 1ST UNREC. ORB 4341 P 1107
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	BREWTON S SUBDIVISION
Legal Block	2
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2044
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	Individual Name on Record
Mailing Address	201 JUDY CIR, LYNN HAVEN, FL 32444-3456
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Warranty Deed, Transfer GEORGE H SMITH
Jan 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 15, 2017	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Nov 15, 2017 · Amount on Record
Deed Document Number	202086514
Deed Book / Page	4341 / 1107
Prior Transfer Date	Jan 30, 2020
Prior Transfer Doc	0042161761
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 22, 2020
Property Address	604 E 7TH CT, PANAMA CITY, FL 32401-3516
Document Number	0043411107
Book / Page	004341 / 001107
Instrument Date	Dec 18, 2020
Instrument	86514
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 JUDY CIR LYNN HAVEN FL 324443456, LYNN HAVEN, FL 32444-3456

Mortgage

Document Number	43411109
Date	Dec 22, 2020
Book Page	004341/001109
Instrument	86515

Lender

Name	GEORGE H SMITH
Address	8009 E HIGHWAY 22, PANAMA CITY, FL 32404-2503
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jan 30, 2020
Property Address	604 E 7TH CT, PANAMA CITY, FL 32401-3516
Document Number	0042161761
Book / Page	004216 / 001761
Instrument Date	Jan 30, 2020
Instrument	7543
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 15, 2017
Property Address	604 E 7TH CT, PANAMA CITY, FL 32401-3516
Document Number	0039550249
Book / Page	003955 / 000249
Instrument Date	Nov 6, 2017
Instrument	66220
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$70.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8009 E HIGHWAY 22 PANAMA CITY FL 324042503, PANAMA CITY, FL 32404-2503

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	$988.00 (-18.14%)	$61,676 (+1.89%)	$64,385 (+6.37%) Land $26,928 Building $37,457
2024	$1,207.00 (+11.66%)	$60,529 (+9.85%) Land $25,245 Building $35,284	$60,529 (+9.85%) Land $25,245 Building $35,284
2023	$1,081.00 (+14.03%)	$55,102 (+18.91%) Land $22,720 Building $32,382	$55,102 (+18.91%) Land $22,720 Building $32,382
2022	$948.00	$46,338 Land $16,914 Building $29,424	$46,338 Land $16,914 Building $29,424

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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