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

Bay County property record for 605 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,617 sqft · built 1947
Lot Size	0.218 acres (9,496 sqft)
Owner	Individual Name on File
Last Sale	$349,500 (Apr 2026)
Tax Bill	$4,334 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20704-000-000`

Property Details

APN / Parcel Number

Primary APN	`20704-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,617 sqft Living Area
1st Floor Area	1,249 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,496 sqft (0.218 acres)
Lot Dimensions	136 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Porch	Florida Room
Porch Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	605 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. E 10 LOT 15 ALL LOT 16 & W 10 LOT 17 BLK 24 MAP 105C2 ORB 3907 P 947
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	24
Legal Lot Number	15-17
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2007
Census Tract	1900

Owner

605 E 2nd Pl is owned and occupied by an individual who bought it in April 2026.

Source: Bay County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	605 E 2ND PL, PANAMA CITY, FL 32401-3806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
Apr 28, 2026	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA
Jun 7, 2017	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Nov 25, 2024 · Amount on File
Deed Document Number	202625128
Deed Book / Page	5028 / 849
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	605 E 2ND PL, PANAMA CITY, FL 32401-3806
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 EAST2NDPIACE, PANAMA CITY, FL 32401

Mortgage

Document Number	0044150240
Date	Jun 3, 2021
Book Page	4415/240
Instrument	2021042141

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 28, 2026
Property Address	605 E 2ND PL, PANAMA CITY, FL 32401-3806
Document Number	0050280849
Book / Page	5028 / 849
Instrument Date	Apr 27, 2026
Instrument	202625128
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	ANCHOE TITLE, ANCHOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,096.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 E 2ND PL, PANAMA CITY, FL 32401-3806

Mortgage

Document Number	0000025129,
Date	Apr 28, 2026
Book Page	5028/851
Instrument	202625129

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Jun 7, 2017
Property Address	605 E 2ND PL, PANAMA CITY, FL 32401-3806
Document Number	0039070947
Book / Page	3907 / 0947
Map Reference	MB1 PG30
Instrument Date	Jun 2, 2017
Instrument	2017032258
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 DOCTORS DR, 100, PANAMA CITY, FL 32405-7608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 E 2ND PL, PANAMA CITY, FL 32401-3806

Mortgage

Document Number	2017032259
Date	Jun 7, 2017
Instrument	2017032259

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 605 E 2nd Pl was $4,334, up 191.5% from the year before.

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	$4,334.00 (+191.46%)	$274,445 Land $47,190 Building $227,255	$274,445 Land $47,190 Building $227,255
2024	$1,487.00 (-4%)
2023	$1,549.00 (+4.03%) Homeowner's exemption	$122,731 (+3%)	$132,521 (+11.22%) Land $40,740 Building $91,781
2022	$1,489.00 Homeowner's exemption	$119,156 Land $35,375 Building $83,781	$119,156 Land $35,375 Building $83,781

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 605 E 2nd Pl in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1995.

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 File 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

Wildfire risk around 605 E 2nd Pl 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 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.

Nearby Properties on E 2nd Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures