Bay County property record for 643 E 10th St, Panama City, FL 32401
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | Company Name on Record |
| Last Sale | $50,000 (Apr 2010) |
| Tax Bill | $450 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16658-000-000 |
| Primary APN | 16658-000-000 |
|---|
| 1st Floor Area | 888 sqft |
|---|
| Lot Area | 14,984 sqft (0.344 acres) |
|---|---|
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 160 sqft |
| Street Address | 643 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3483 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | PC09 |
| Legal Description | 4 4S 14W -198- 69A BEG 180 W & 30 N OF SE COR OF NE1/4 OF NE1/4 OF SW1/4 TH N 150W 100 S 150 TH E 100 TO BEG. ORB 3271 P 2386 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Lot Number | 11,12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 1600 |
Source: Bay County records, as of May 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 607, CHIPLEY, FL 32428-0607 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2010 · Amount on Record |
| Deed Sale | Apr 22, 2010 · Amount on Record |
| Deed Document Number | 201019564 |
| Deed Book / Page | 3234 / 13 |
| Last Transfer Date | Sep 24, 2010 |
| Transfer Doc | 0032712386 |
| Record Updated | Oct 29, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $450.00 (+2.74%) | $26,753 (-0.91%) | $32,000 (+18.52%) Land $32,000 |
| 2024 | $438.00 (-24.09%) | ||
| 2023 | $577.00 (+13.58%) | $27,000 (+34.33%) Land $27,000 | $27,000 (+34.33%) Land $27,000 |
| 2022 | $508.00 | $20,100 Land $20,100 | $20,100 Land $20,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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.
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 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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