623 E 13th St, Panama City, FL 32401 Property Records

Bay County property record for 623 E 13th St, Panama City, FL 32401

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,175 sqft · built 1945
Lot Size	0.184 acres (8,015 sqft)
Owner	2 Individual Names on File
Tax Bill	$826 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`17491-000-000`

Property Details

APN / Parcel Number

Primary APN	`17491-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,175 sqft Living Area
1st Floor Area	1,175 sqft
Flooring	Cork
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1975
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,015 sqft (0.184 acres)
Lot Dimensions	115 ft deep x 70 ft wide
Porch	Open Porch
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	623 E 13TH ST
City	PANAMA CITY
State	FL
Zip	32401-2869
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	PC03
Legal Description	LINCOLN PARK LOT 3 BLK 3 ORB 4412 P 1266
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	LINCOLN PARK
Legal Block	3
Legal Lot Number	3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1600

Owner

623 E 13th St, a duplex, is owned by two individuals who acquired it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	11 MONTCLAIR DR, VOORHEES, NJ 08043-2837
Owner Type	Individual
Vesting	Life Estate

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
Apr 21, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 21, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 27, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 19, 2021
Transfer Doc	0044121266
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 21, 2026
Property Address	623 E 13TH ST, PANAMA CITY, FL 32401-2869
Document Number	0050260929
Book / Page	5026 / 929
Instrument Date	Dec 19, 2025
Instrument	202623851
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	11 MONTCLAIR DR, VOORHEES, NJ 08043-2837

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 21, 2026
Property Address	623 E 13TH ST, PANAMA CITY, FL 32401-2869
Document Number	0000023851
Book / Page	5026 / 929
Instrument Date	Dec 19, 2025
Instrument	2026.23851
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	11 MONTCLAIR DR, VOORHEES, NJ 08043-2837

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	May 27, 2021
Property Address	623 E 13TH ST, PANAMA CITY, FL 32401-2869
Document Number	0044121266
Book / Page	4412 / 1266
Map Reference	MB 2 PG 45
Instrument Date	May 19, 2021
Instrument	2021040568
Transaction Type	Transfer
Record Updated	Jul 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 MONTCLAIR DR, VOORHEES, NJ 08043-2837

Tax Assessment & Valuation

The 2025 property tax bill for 623 E 13th St was $826, down 38.7% 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	$826.00 (-38.72%)	$45,069	$66,513 Land $20,384 Building $46,129
2024	$1,348.00 (+46.2%)
2023	$922.00 (+23.76%)	$54,705 (+61.56%) Land $17,199 Building $37,506	$54,705 (+61.56%) Land $17,199 Building $37,506
2022	$745.00	$33,861 Land $12,803 Building $21,058	$33,861 Land $12,803 Building $21,058

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

Flood

FEMA maps place 623 E 13th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	30.0 ft
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 623 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.

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 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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