707 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 707 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 908 sqft · built 1945
Lot Size	0.144 acres (6,272 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Apr 2021)
Tax Bill	$2,538 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20740-000-000`

Property Details

APN / Parcel Number

Primary APN	`20740-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	908 sqft Living Area
1st Floor Area	812 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,272 sqft (0.144 acres)
Lot Dimensions	105 ft deep x 60 ft wide
Driveway	Driveway
Porch	Florida Room
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	707 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-3846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD W 60 LOTS 23,24 BLK 36 ORB 4396 P 1195 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	36
Legal Lot Number	23,24
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2006
Census Tract	1900

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	707 E 2ND ST, PANAMA CITY, FL 32401-3846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Aug 7, 2017	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2021 · Amount on Record
Deed Sale	Apr 26, 2021 · Amount on Record
Prior Sale	Aug 7, 2017 · Amount on Record
Deed Document Number	202130661
Deed Book / Page	4396 / 1195
Prior Transfer Date	Jun 8, 2012
Prior Transfer Doc	0034170287
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 26, 2021
Property Address	707 E 2ND ST, PANAMA CITY, FL 32401-3846
Document Number	0043961195
Book / Page	4396 / 1195
Map Reference	MB 1 PG 30
Instrument Date	Apr 22, 2021
Instrument	2021030661
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 CASTILE CIR, 210, PANAMA CITY BEACH, FL 32413-2401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 SUN LN, PANAMA CITY BEACH, FL 32413-3212

Mortgage

Document Number	43961197
Date	Apr 26, 2021
Instrument	4396/1197

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 7, 2017
Property Address	707 E 2ND ST, PANAMA CITY, FL 32401-3846
Document Number	0039250900
Book / Page	3925 / 0900
Map Reference	MB1 PG30
Instrument Date	Aug 4, 2017
Instrument	2017044683
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 MARIN DR, 118, PANAMA CITY, FL 32405-4257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1222 W 28TH PL, PANAMA CITY, FL 32405-3404

Mortgage

Document Number	2017044684
Date	Aug 7, 2017
Instrument	2017044684

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

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	$2,538.00 (-5.58%)	$160,719 (+19.47%) Land $36,279 Building $124,440	$160,719 (+19.47%) Land $36,279 Building $124,440
2024	$2,688.00 (+7.56%)
2023	$2,499.00 (+15.75%)	$134,526 (+8.77%) Land $31,320 Building $103,206	$134,526 (+8.77%) Land $31,320 Building $103,206
2022	$2,159.00	$123,682 Land $27,196 Building $96,486	$123,682 Land $27,196 Building $96,486

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

Flood

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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 437 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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