Bay County property record for 618 E 13th St, Panama City, FL 32401
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,326 sqft · built 1945 |
| Lot Size | 0.185 acres (8,102 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $18,000 (Jun 2002) |
| Tax Bill | $1,345 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16894-000-000 |
| Primary APN | 16894-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,326 sqft Heated Area |
| Gross Area | 1,574 sqft |
| 1st Floor Area | 1,326 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,102 sqft (0.185 acres) |
| Lot Dimensions | 121 ft deep x 67 ft wide |
| Driveway | Driveway |
| Driveway Area | 272 sqft |
| Porch | Porch |
| Porch Area | 248 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 618 E 13TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2868 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PC03 |
| Legal Description | CARVER HTS. LOT 25 BLK 1 ORB 3820 P 79 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | CARVER HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 1600 |
618 E 13th St, a duplex, is owned by two individuals who acquired it in August 2016.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1202 MISSISSIPPI AVE, LYNN HAVEN, FL 32444-2748 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2002 · Amount on File |
| Deed Sale | Jun 13, 2002 · Amount on File |
| Prior Sale | Jun 13, 2002 · Amount on File |
| Deed Document Number | 0021521652 |
| Last Transfer Date | Aug 5, 2016 |
| Transfer Doc | 0038200079 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 618 E 13th St was $1,345.
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 | $1,345.00 | $142,104 Land $19,975 Building $122,129 | $142,104 Land $19,975 Building $122,129 |
| 2023 | $1,007.00 (+13.91%) | $50,184 (+18.22%) Land $16,853 Building $33,331 | $50,184 (+18.22%) Land $16,853 Building $33,331 |
| 2022 | $884.00 | $42,448 Land $12,546 Building $29,902 | $42,448 Land $12,546 Building $29,902 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 618 E 13th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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 618 E 13th St is low, with 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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 214 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 |
May also be available: AT&T, T-Mobile.
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