Bay County property record for 609 E 2nd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 931 sqft · built 1945 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,466 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20719-000-000 |
| Primary APN | 20719-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 931 sqft Living Area |
| 1st Floor Area | 931 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,969 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 345 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 609 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTHS 1ST ADD. LOT 16 ORB 384 P 125 BLK 25 ORB 1087 P 109 MAP 105C2 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 25 |
| Legal Lot Number | 16 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 1900 |
609 E 2nd St, a single family home, is owned by a company.
Source: Bay County records, as of October 9, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 1579, PANAMA CITY, FL 32402-1579 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 609 E 2nd St was $1,466, down 11.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,466.00 (-11.9%) | $77,097 | $123,815 Land $34,055 Building $89,760 |
| 2024 | $1,664.00 (+12.36%) | ||
| 2023 | $1,481.00 (+20.02%) | $101,000 (+56.37%) Land $29,400 Building $71,600 | $101,000 (+56.37%) Land $29,400 Building $71,600 |
| 2022 | $1,234.00 | $64,589 Land $25,529 Building $39,060 | $64,589 Land $25,529 Building $39,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 609 E 2nd St 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 |
|
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 2nd St 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 | 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 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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