616 E 7th St, Panama City, FL 32401 Property Records

Bay County property record for 616 E 7th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 928 sqft · built 1944
Lot Size	0.134 acres (5,837 sqft)
Owner	2 Individual Names on Record
Tax Bill	$676 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20370-000-000`

Property Details

APN / Parcel Number

Primary APN	`20370-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	928 sqft Living Area
1st Floor Area	832 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.134 acres)
Lot Dimensions	140 ft deep x 42 ft wide
Porch	Florida Room
Porch Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	616 E 7TH ST
City	PANAMA CITY
State	FL
Zip	32401-3502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	SUDDUTHS 1ST ADD MAP 105C2 LOT 15 & E 2 OF LOT 16 BLK 1 ORB 4176 P 40
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	1
Legal Lot Number	15,16
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2048
Census Tract	1600

Owner

Source: Bay County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	106 BONANZA CIR, PANAMA CITY, FL 32404-6601
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 5, 2025	Correction Deed ATTORNEY ONLY, ATTORNEY
Oct 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 4, 2025
Transfer Doc	0049491481
Record Updated	Jun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Sep 4, 2025
Property Address	616 E 7TH ST, PANAMA CITY, FL 32401-3502
Document Number	0049491481
Book / Page	4949 / 1481
Map Reference	MB 1 PG 30
Instrument Date	Sep 4, 2025
Instrument	2025050940
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 BONANZA CIR, PANAMA CITY, FL 32404-6601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 BONANZA CIR, PANAMA CITY, FL 32404-6601

September 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	BAY FL
Recording Date	Sep 5, 2025
Property Address	616 E 7TH ST, PANAMA CITY, FL 32401-3502
Document Number	0049492008
Book / Page	4949 / 2008
Map Reference	MB 1 PG 30
Instrument Date	Sep 4, 2025
Instrument	2025051085
Record Updated	Sep 26, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 BONANZA CIR, PANAMA CITY, FL 32404-6601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 BONANZA CIR, PANAMA CITY, FL 32404-6601

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Oct 4, 2019
Property Address	616 E 7TH ST, PANAMA CITY, FL 32401-3502
Document Number	0041760040
Book / Page	004176 / 000040
Instrument Date	Oct 4, 2019
Instrument	87505
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 236 HAVANA FL 323330236, HAVANA, FL 32333-0236

Tax Assessment & Valuation

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	$676.00 (-25.96%)	$42,179 (+5.36%)	$44,120 (+10.2%) Land $19,181 Building $24,939
2024	$913.00 (+11.75%)	$40,035 (+7.76%) Land $16,464 Building $23,571	$40,035 (+7.76%) Land $16,464 Building $23,571
2023	$817.00 (+11.01%)	$37,152 (+12.95%) Land $11,936 Building $25,216	$37,152 (+12.95%) Land $11,936 Building $25,216
2022	$736.00	$32,893 Land $9,919 Building $22,974	$32,893 Land $9,919 Building $22,974

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

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (2008–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 271 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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