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

Bay County property record for 620 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,587 sqft · built 1941
Lot Size	0.307 acres (13,416 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Mar 2016)
Tax Bill	$1,814 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20860-000-000`

Property Details

APN / Parcel Number

Primary APN	`20860-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,587 sqft Heated Area
1st Floor Area	1,587 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1991
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,416 sqft (0.307 acres)
Lot Dimensions	117 ft deep x 115 ft wide
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	620 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 15' OF N1/2 LOT 9 & ALL N1/2 LOTS 10,11 BLK 26
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 2ND ADD
Legal Block	26
Legal Lot Number	9-11 11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2012
Census Tract	1900

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	620 E 2ND ST, PANAMA CITY, FL 32401-3810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2016 · Amount on Record
Deed Sale	Mar 15, 2016 · Amount on Record
Prior Sale	Jul 22, 2015 · Amount on Record
Deed Document Number	0037781350
Deed Book / Page	3778 / 1350
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	620 E 2ND ST, PANAMA CITY, FL 32401-3810
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 E 2ND ST, PANAMA CITY, FL 32401-3810

Mortgage

Document Number	0044511634
Date	Aug 25, 2021
Book Page	4451/1634
Instrument	2021065249

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	620 E 2ND ST, PANAMA CITY, FL 32401-3810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 E 2ND ST, PANAMA CITY, FL 32401-3810

Mortgage

Document Number	0043121964
Date	Oct 20, 2020
Book Page	4312/1964
Instrument	2020069705

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$1,814.00 (-8.11%) Homeowner's exemption	$156,939 (+5.99%)	$207,222 (+22.4%) Land $72,732 Building $134,490
2023	$1,974.00 (+3.62%) Homeowner's exemption	$148,074 (+3%)	$169,305 (+11.94%) Land $62,790 Building $106,515
2022	$1,905.00 Homeowner's exemption	$143,761	$151,245 Land $54,522 Building $96,723

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
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	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

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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