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

Bay County property record for 609 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,264 sqft · built 1945
Lot Size	0.218 acres (9,496 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Mar 2020)
Tax Bill	$1,928 (2025)
Deeds & Mortgages	Jul 2026 Sale Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20706-000-000`

Property Details

APN / Parcel Number

Primary APN	`20706-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	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
Garage Area	348 sqft
Carport	Carport
Carport Area	348 sqft
Driveway	Driveway
Driveway Area	440 sqft
Porch	Screened/Unfinished Porch
Porch Area	416 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 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 20 LOT 18 & ALL LOT 19 BLK 24 ORB 4234 P 534 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	24
Legal Lot Number	18,19
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2007
Census Tract	1900

Owner

609 E 2nd Pl is owned and occupied by two individuals who acquired it in July 2026.

Source: Bay County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	609 E 2ND PL, PANAMA CITY, FL 32401-3806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 18, 2020	Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK
Oct 1, 2018	Warranty Deed, Transfer SETCO SERVICES LLC-PANAMA CITY BANK, SETCO SVCS LLC-PANAMA CITY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2020 · Amount on File
Deed Sale	Mar 18, 2020 · Amount on File
Prior Sale	Oct 1, 2018 · Amount on File
Deed Document Number	202020373
Deed Book / Page	4234 / 534
Last Transfer Date	Jul 30, 2026
Transfer Doc	0000046381
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 30, 2026
Property Address	609 E 2ND PL, PANAMA CITY, FL 32401-3806
Document Number	0000046381
Book / Page	5062 / 350
Instrument Date	Jul 30, 2026
Instrument	202646381
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	609 E 2ND PL, PANAMA CITY, FL 32401-3806

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 18, 2020
Property Address	609 E 2ND PL, PANAMA CITY, FL 32401-3806
Document Number	0042340534
Book / Page	4234 / 534
Map Reference	MB 1 PG 30
Instrument Date	Mar 13, 2020
Instrument	2020020373
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 E 2ND PL, 609, PANAMA CITY, FL 32401-3806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 E 2ND PL, PANAMA CITY, FL 32401-3806

Mortgage

Document Number	0042340536
Date	Mar 18, 2020
Instrument	4234/0536

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 1, 2018
Property Address	609 E 2ND PL, PANAMA CITY, FL 32401-3806
Document Number	0040522088
Book / Page	004052 / 002088
Instrument Date	Sep 25, 2018
Instrument	58991
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	SETCO SERVICES LLC-PANAMA CITY BANK, SETCO SVCS LLC-PANAMA CITY BK

Transaction

Amount	Amount on Record
Tax	$1,071.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 E 2ND PL PANAMA CITY FL 324013806, PANAMA CITY, FL 32401-3806

Tax Assessment & Valuation

The 2025 property tax bill for 609 E 2nd Pl was $1,928 with a homeowner's exemption.

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	$1,928.00 Homeowner's exemption	$154,660	$193,823 Land $47,190 Building $146,633
2023	$1,957.00 (+3.49%) Homeowner's exemption	$145,923 (+3%)	$158,011 (+10.99%) Land $40,740 Building $117,271
2022	$1,891.00 Homeowner's exemption	$141,673	$142,370 Land $35,375 Building $106,995

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

Flood

FEMA maps place 609 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 609 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.

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