Bay County property record for 7029 E 10th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,641 sqft · built 1975 |
| Lot Size | 0.342 acres (14,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,000 (May 2023) |
| Tax Bill | $1,060 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Aug 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 06000-110-000 |
| Primary APN | 06000-110-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,641 sqft Living Area |
| 1st Floor Area | 1,641 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,897 sqft (0.342 acres) |
| Lot Dimensions | 157 ft deep x 95 ft wide |
| Garage Type | Carport |
| Garage Area | 405 sqft |
| Carport | Carport |
| Carport Area | 405 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 282 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7029 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-2301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 5 4S 13W-3.21-131A-BEG 507 S & 407 E OF NW COR OF NE1/4 OF SW1/4 TH E 95 N 157 W 95 S 157 TO POB AKA L-6 B-3 V KENDRICK UNR ORB 4694 P 458 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 05 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 803 |
7029 E 10th St is owned and occupied by two individuals who bought it in May 2023.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7029 E 10TH ST, PANAMA CITY, FL 32404-2301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage PANHANDLE CU |
| Aug 30, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Deed Document Number | 202333505 |
| Deed Book / Page | 4694 / 458 |
| Prior Transfer Date | Aug 25, 2022 |
| Prior Transfer Doc | 0046040798 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 31, 2023 |
| Property Address | 7029 E 10TH ST, PANAMA CITY, FL 32404-2301 |
| Document Number | 0046940458 |
| Book / Page | 4694 / 458 |
| Instrument Date | May 30, 2023 |
| Instrument | 2023033505 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $924.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7029 E 10TH ST, PANAMA CITY, FL 32404-2301 |
| Document Number | 0004694462 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 4694/462 |
| Name | PANHANDLE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | May 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 6.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year CMT |
| Max Rate | 12.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 30, 2022 |
| Property Address | 7029 E 10TH ST, PANAMA CITY, FL 32404-2301 |
| Document Number | 0046040798 |
| Book / Page | 4604 / 798 |
| Instrument Date | Aug 25, 2022 |
| Instrument | 2022064244 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 143 E 7TH ST, 143, OSWEGO, NY 13126-2743 |
| Name | Verified Name |
|---|---|
| Address | 143 E 7TH ST # B, B, OSWEGO, NY 13126-2743 |
The 2025 property tax bill for 7029 E 10th St was $1,060 with a homeowner's exemption, up 0.1% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,060.00 (+0.09%) Homeowner's exemption | $125,330 | $135,710 Land $26,866 Building $108,844 |
| 2024 | $1,059.00 (+2.02%) | ||
| 2023 | $1,038.00 (+11.02%) | $79,700 (+2.72%) Land $26,674 Building $53,026 | $79,700 (+2.72%) Land $26,674 Building $53,026 |
| 2022 | $935.00 | $77,592 Land $25,426 Building $52,166 | $77,592 Land $25,426 Building $52,166 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7029 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 41 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 14 (1995–2022) |
| Claims Outside the SFHA | 12 of 14 |
| Most Recent Claim | Sep 2022 · 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.
Wildfire risk around 7029 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 Risk | Moderate above 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 49 locations within half a mile, as of December 31, 2025
| Provider | Max 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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