Bay County property record for 609 E 13th St, Panama City, FL 32401
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,175 sqft · built 1945 |
| Lot Size | 0.173 acres (7,536 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $903 (2025) |
| Deeds & Mortgages | Oct 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 17470-000-000 |
| Primary APN | 17470-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,175 sqft Heated Area |
| Gross Area | 1,364 sqft |
| 1st Floor Area | 1,175 sqft |
| Interior Walls | Plywood |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,536 sqft (0.173 acres) |
| Lot Dimensions | 108 ft deep x 70 ft wide |
| Driveway | Driveway |
| Driveway Area | 810 sqft |
| Porch | Porch |
| Porch Area | 189 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 609 E 13TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2836 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PC03 |
| Legal Description | LINCOLN PARK LOT 11 ORB 264 P 219 & ORB 333 P 677, 678 BLK 2 ORB 1046 P 15 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | LINCOLN PARK |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 1600 |
609 E 13th St, a duplex, is held in a trust since October 2019.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 5801 LOIS ST, PANAMA CITY, FL 32404-6429 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 15, 2019 |
| Transfer Doc | 0041790724 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 15, 2019 |
| Property Address | 609 E 13TH ST, PANAMA CITY, FL 32401-2836 |
| Document Number | 0041790724 |
| Book / Page | 004179 / 000724 |
| Instrument Date | Oct 14, 2019 |
| Instrument | 90105 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 5801 LOIS ST PANAMA CITY FL 324046429, PANAMA CITY, FL 32404-6429 |
The 2025 property tax bill for 609 E 13th St was $903.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $903.00 | $60,172 Land $19,936 Building $40,236 | $60,172 Land $19,936 Building $40,236 |
| 2023 | $999.00 (+13.78%) | $49,674 (+18.16%) Land $16,821 Building $32,853 | $49,674 (+18.16%) Land $16,821 Building $32,853 |
| 2022 | $878.00 | $42,040 Land $12,522 Building $29,518 | $42,040 Land $12,522 Building $29,518 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 609 E 13th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 |
|
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 risk around 609 E 13th St is low, with 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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