615 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 615 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,220 sqft · built 1948
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Aug 2021)
Tax Bill	$4,023 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Apr 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20721-000-000`

Property Details

APN / Parcel Number

Primary APN	`20721-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,124 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,969 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Driveway	Driveway
Porch	Florida Room
Porch Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 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 18 BLK 25 ORB 4449 P 656 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	25
Legal Lot Number	18
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1900

Owner

615 E 2nd St is owned and occupied by an individual who bought it in August 2021.

Source: Bay County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	615 E 2ND ST, PANAMA CITY, FL 32401-3809
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

Date	Document
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage EVOLVE BANK & TRUST
Apr 11, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Deed Document Number	202163678
Deed Book / Page	4449 / 656
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 19, 2021
Property Address	615 E 2ND ST, PANAMA CITY, FL 32401-3809
Document Number	0044490656
Book / Page	4449 / 656
Map Reference	MB 1 PG 30
Instrument Date	Aug 16, 2021
Instrument	2021063678
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	NOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 6TH AVE W # WA1, 418, HENDERSONVILLE, NC 28739-4274

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E 2ND ST, PANAMA CITY, FL 32401-3809

Mortgage

Document Number	4449658
Date	Aug 19, 2021
Instrument	4449/658

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	615 E 2ND ST, PANAMA CITY, FL 32401-3809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039971061
Date	Apr 11, 2018
Book Page	3997/1061
Instrument	2018021141

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 615 E 2nd St was $4,023, down 0.6% 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	$4,023.00 (-0.62%)	$254,564	$255,030 Land $34,055 Building $220,975
2024	$4,048.00 (+5.89%)
2023	$3,823.00 (+18.51%)	$210,384 (+8.84%) Land $29,400 Building $180,984	$210,384 (+8.84%) Land $29,400 Building $180,984
2022	$3,226.00	$193,293 Land $25,529 Building $167,764	$193,293 Land $25,529 Building $167,764

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

Flood

FEMA maps place 615 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	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 615 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.

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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