Bay County property record for 708 E 12th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,662 sqft · built 2008 |
| Lot Size | 0.285 acres (12,458 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jun 2008) |
| Tax Bill | $304 (2023) |
| Flood Zone | Zone X (minimal risk) |
| APN | 17438-000-000 |
| Primary APN | 17438-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,662 sqft Heated Area |
| Gross Area | 2,464 sqft |
| 1st Floor Area | 1,662 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 12,458 sqft (0.285 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Driveway | Driveway |
| Driveway Area | 30 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 298 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 708 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | SHADY HAVEN LOTS 8 & 9 ORB 466 P 195 & ORB 725 P 605 BLK G MAP 105B1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | SHADY HAVEN |
| Legal Block | G |
| Legal Lot Number | 8,9 9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 1600 |
708 E 12th St is owned and occupied by an individual who bought it in June 2008.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 708 E 12TH ST, PANAMA CITY, FL 32401-3344 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2008 · Amount on File |
| Deed Sale | Jun 16, 2008 · Amount on File |
| Prior Sale | Feb 19, 2008 |
| Deed Document Number | 2008034269 |
| Deed Book / Page | 3059 / 0353 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $139,418 | $172,835 Land $30,080 Building $142,755 |
| 2023 | $304.00 (-20.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $131,543 (+3%) | $150,952 (+12.54%) Land $25,380 Building $125,572 |
| 2022 | $383.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $127,712 | $134,135 Land $18,894 Building $115,241 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 708 E 12th 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1995) |
| Most Recent Claim | Oct 1995 · Hurricane Opal |
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.
The area around 708 E 12th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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