642 E 10th Ct, Panama City, FL 32401 Property Records

Bay County property record for 642 E 10th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,477 sqft · built 1969
Lot Size	0.206 acres (8,973 sqft)
Owner	Company Name on File
Last Sale	$40,000 (Mar 2020)
Tax Bill	$1,371 (2025)
Deeds & Mortgages	Jun 2018 Second Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`16655-000-000`

Property Details

APN / Parcel Number

Primary APN	`16655-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,477 sqft Living Area
1st Floor Area	1,477 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,973 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	198 sqft
Carport	Carport
Carport Area	198 sqft
Driveway	Driveway
Driveway Area	300 sqft
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	642 E 10TH CT
City	PANAMA CITY
State	FL
Zip	32401-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC09
Legal Description	4 4S 14W -195- BEG 180 N & 269.4 W OF SE COR OF E1/2 OF NE1/4 OF NE1/4 OF SW1/4 TH N 150 E 59.5 S 150 THW 59.5 TO BEG ORB 3593 P 2175 ORB 4233 P 1107
Legal Range	14W
Legal Township	04S
Legal Section	04
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2028
Census Tract	1600

Owner

642 E 10th Ct is owned by a company that bought it in March 2020.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 607, CHIPLEY, FL 32428-0607
Owner Type	Company

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
Jun 13, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Mar 17, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2020 · Amount on File
Deed Sale	Mar 17, 2020 · Amount on File
Deed Document Number	202019859
Deed Book / Page	4233 / 1107
Prior Transfer Date	Dec 20, 2007
Prior Transfer Doc	0030060505
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	642 E 10TH CT, PANAMA CITY, FL 32401-3408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040171500
Date	Jun 13, 2018
Book Page	4017/1500
Instrument	2018035043

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 17, 2020
Property Address	642 E 10TH CT, PANAMA CITY, FL 32401-3408
Document Number	0042331107
Book / Page	004233 / 001107
Instrument Date	Mar 16, 2020
Instrument	19859
Transaction Type	Transfer
Record Updated	Apr 13, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1002 MAPLE AVE PANAMA CITY FL 324014579, PANAMA CITY, FL 32401-4579

Tax Assessment & Valuation

The 2025 property tax bill for 642 E 10th Ct was $1,371, down 12.2% 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	$1,371.00 (-12.17%)	$82,353	$95,677 Land $19,200 Building $76,477
2024	$1,561.00 (+13.2%)
2023	$1,379.00 (+13.59%)	$70,901 (+14.59%) Land $16,200 Building $54,701	$70,901 (+14.59%) Land $16,200 Building $54,701
2022	$1,214.00	$61,873 Land $12,060 Building $49,813	$61,873 Land $12,060 Building $49,813

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

Flood

FEMA maps place 642 E 10th Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2008.

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

Wildfire risk around 642 E 10th Ct is low, with less than 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 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
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: Hotwire Communications.

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