Bay County property record for 616 E 2nd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,150 sqft · built 1939 |
| Lot Size | 0.173 acres (7,579 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $57,900 (Sep 1996) |
| Tax Bill | $853 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20857-000-000 |
| Primary APN | 20857-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,150 sqft Heated Area |
| Gross Area | 1,422 sqft |
| 1st Floor Area | 1,150 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,579 sqft (0.173 acres) |
| Lot Dimensions | 117 ft deep x 65 ft wide |
| Porch | Porch |
| Porch Area | 88 sqft |
| Deck Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 616 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTHS 2ND ADD E 30' OF N1/2 OF LOT 8 & W 35' OF N1/2 LOT 9 BLK 26 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 2ND ADD |
| Legal Block | 26 |
| Legal Lot Number | 8,9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 1900 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 616 E 2ND ST, PANAMA CITY, FL 32401-3810 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 1996 · Amount on Record |
| Deed Sale | Sep 11, 1996 · Amount on Record |
| Deed Document Number | 0016581508 |
| Deed Book / Page | 1658 / 1508 |
| Last Transfer Date | Sep 13, 1996 |
| Transfer Doc | 0016581508 |
| Record Updated | Jun 8, 2026 |
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 | $853.00 (-14.96%) Homeowner's exemption | $96,076 (+5.99%) | $128,159 (+22.9%) Land $41,109 Building $87,050 |
| 2023 | $1,003.00 (-1.08%) Homeowner's exemption | $90,649 (+3%) | $104,278 (+11.87%) Land $35,490 Building $68,788 |
| 2022 | $1,014.00 Homeowner's exemption | $88,009 | $93,214 Land $30,817 Building $62,397 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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