610 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 610 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,979 sqft · built 1946
Lot Size	0.234 acres (10,193 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Sep 2016)
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20698-000-000`

Property Details

APN / Parcel Number

Primary APN	`20698-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,979 sqft Living Area
1st Floor Area	1,823 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,193 sqft (0.234 acres)
Lot Dimensions	136 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	209 sqft
Carport	Carport
Carport Area	209 sqft
Driveway	Driveway

Exterior Amenities

Porch	Florida Room
Porch Area	258 sqft
Patio Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	610 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. W1/2 LOT 7 & ALL LOT 8 BLK 24 ORB 3834 P 1427 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	24
Legal Lot Number	7,8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2007
Census Tract	1900

Owner

610 E 2nd Ct is owned and occupied by an individual who bought it in September 2016.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	610 E 2ND CT, PANAMA CITY, FL 32401-3805
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2016 · Amount on File
Deed Sale	Sep 26, 2016 · Amount on File
Prior Sale	Apr 7, 2016 · Amount on File
Deed Document Number	201653114
Deed Book / Page	3834 / 1427
Prior Transfer Date	Apr 6, 2016
Prior Transfer Doc	0037842233
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	610 E 2ND CT, PANAMA CITY, FL 32401-3805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038861936
Date	Mar 30, 2017
Book Page	3886/1936
Instrument	2017017538

Lender

Name	AMERICAN HOME MORTGAGE INC
Type	Non-Lending Institution
Address	ATLANTA, GA 30342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	1 Months
Due	Apr 1, 2017

Tax Assessment & Valuation

The 2025 property tax bill for 610 E 2nd Ct was $2,556 with a homeowner's exemption, down 2.4% 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	$2,556.00 (-2.41%) Homeowner's exemption	$203,910	$277,489 Land $50,561 Building $226,928
2024	$2,619.00 (-5.49%)
2023	$2,771.00 (+4.84%) Homeowner's exemption	$190,993 (+3%)	$223,121 (+9.38%) Land $43,650 Building $179,471
2022	$2,643.00 Homeowner's exemption	$185,430	$203,980 Land $37,902 Building $166,078

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

Flood

FEMA maps place 610 E 2nd Ct 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 610 E 2nd Ct 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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