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7016 E 10th St, Panama City, FL 32404 Property Records

Bay County property record for 7016 E 10th St, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,040 sqft · built 1975
Lot Size0.644 acres (28,052 sqft)
OwnerIndividual Name on File
Last Sale$375,000 (Oct 2022)
Tax Bill$4,376 (2025)
Deeds & MortgagesJun 2026 Mortgage
Jun 2023 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN06000-112-000

Property Details

APN / Parcel Number

Primary APN06000-112-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,040 sqft Living Area
1st Floor Area2,040 sqft
FlooringTile
Interior WallsPlywood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 2015
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialOther
Lot Area28,052 sqft (0.644 acres)
Lot Dimensions147 ft deep x 130 ft wide
Garage TypeDetached
Garage Area660 sqft
DrivewayDriveway
Driveway Area1,232 sqft

Exterior Amenities

Pool Area512 sqft
PorchUnfinished Open Porch
Porch Area424 sqft
Patio Area640 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address7016 E 10TH ST
CityPANAMA CITY
StateFL
Zip32404-2300
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal Description5 4S 13W -3.40- BEG 567 S & 120 E OF THE NW COR OF NE1/4 OF SW1/4 SEC TH RUN E 192 S 147.92 TH W 192.01 N 144.79 TO POB AKA L-1,2 B-6 V KENDRICK UNR ORB 4694 P 1177
Legal Range13W
Legal Township04S
Legal Section05
Legal SubdivisionNORTHEAST QUARTER
Legal Block830
Legal Lot Number1
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2011
Census Tract803

Owner

7016 E 10th St is owned and occupied by an individual who bought it in October 2022.

Source: Bay County records, as of July 16, 2026

Owner of RecordIndividual Name on File
Mailing Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 23, 2026Deed of Trust, Mortgage · Conventional Mortgage
EMM LOANS LLC
Jun 1, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Oct 27, 2022Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
May 27, 2022Warranty Deed, Transfer
CLEAR TITLE AND ESCROW LLC
Jul 21, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 27, 2022 · Amount on File
Deed SaleOct 27, 2022 · Amount on File
Prior SaleMay 27, 2022 · Amount on File
Deed Document Number202278558
Deed Book / Page4624 / 2364
Prior Transfer DateJul 20, 2017
Prior Transfer Doc0039200118
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Recording DateJun 23, 2026
Property Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300
Document Number0000037865
Book / Page5048 / 431
Instrument DateJun 16, 2026
Instrument202637865
Transaction TypeMortgage
Record UpdatedJul 16, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300

Mortgage

Document Number0000037865,
DateJun 23, 2026
Book Page5048/431
Instrument202637865
Lender
NameEMM LOANS LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.51%
Initial TypeFixed Rate
Max Rate-1%

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateJun 1, 2023
Property Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300
Document Number0046941177
Book / Page4694 / 1177
Instrument DateMay 3, 2023
Instrument2023033685
Transaction TypeTransfer
Record UpdatedJun 16, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address425 NEWERG ROAD #51 # 51, 51, EAST MEADOW, NY 11554

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 27, 2022
Property Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300
Document Number0046242364
Book / Page4624 / 2364
Instrument DateOct 26, 2022
Instrument2022078558
Transaction TypeTransfer
Record UpdatedNov 16, 2022
Title CompanyNOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5800 VIKING WAY, 5800, PANAMA CITY, FL 32404-6391

Transferred To (Grantee/Buyer)

NameVerified Name
Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300

Mortgage

Document Number0046242366
DateOct 27, 2022
Instrument4624/2366
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2052

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 27, 2022
Property Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300
Document Number0045700162
Book / Page4570 / 162
Instrument DateMay 26, 2022
Instrument2022040794
Transaction TypeTransfer
Record UpdatedJun 15, 2022
Title CompanyCLEAR TITLE AND ESCROW LLC

Transaction

AmountAmount on Record
Tax$2,030.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address311 BUNKERS COVE RD, 311, PANAMA CITY, FL 32401-3911

Transferred To (Grantee/Buyer)

NameVerified Name
Address356 ERNEST SLUSHER RD, PINEVILLE, KY 40977-7750

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJul 21, 2017
Property Address7016 E 10TH ST, PANAMA CITY, FL 32404-2300
Document Number0039200118
Book / Page003920 / 000118
Instrument DateJul 20, 2017
Instrument41048
Transaction TypeTransfer
Record UpdatedAug 8, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address311 BUNKERS COVE RD PANAMA CITY BEACH FL 324013911, PANAMA CITY BEACH, FL 32401-3911

Tax Assessment & Valuation

The 2025 property tax bill for 7016 E 10th St was $4,376, up 9.8% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,376.00 (+9.78%)$351,512$356,590 Land $53,222 Building $303,368
2024$3,986.00 (-0.99%)
2023$4,026.00$318,332 (+128.84%) Land $52,841 Building $265,491$318,332 (+64.48%) Land $52,841 Building $265,491
2022Homeowner's exemption Disabled Person's exemption Veteran's exemption$139,106$193,541 Land $50,370 Building $143,171

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 7016 E 10th 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 41 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims14 (1995–2022)
Claims Outside the SFHA12 of 14
Most Recent ClaimSep 2022 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 3 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 7016 E 10th St is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 67% of the US · above 47% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemCALLAWAY, CITY OF WATER SYSTEM
serves 20,520 people · EPA ID FL1030141
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionMay 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 49 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WOW Internet, Cable & Phone
Cable		1,200 / 50
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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