709 E 10th Ct, #A-D, Panama City, FL 32401 Property Records

Bay County property record for 709 E 10th Ct, #A-D, Panama City, FL 32401

Property Summary

Property Type	Vacant Land
Details	2 bd · 1 ba · 950 sqft · built 1945
Lot Size	0.114 acres (4,965 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Aug 2026)
Tax Bill	$214 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`17033-000-000`

Property Details

APN / Parcel Number

Primary APN	`17033-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	950 sqft Living Area
Gross Area	1,000 sqft
1st Floor Area	950 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,965 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Porch	Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	709 E 10TH CT, A-D
City	PANAMA CITY
State	FL
Zip	32401-3451
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	PC09
Legal Description	GLENWOOD ADD. LOTS 6, 7 ORB 154 P 70 WILL-3-30-72 BLK 3 ORB 1235 P 1646 ORB 1891 P 257
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	GLENWOOD ADD
Legal Block	3
Legal Lot Number	6,7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4019
Census Tract	1600

Owner

709 E 10th Ct, #A-D is owned by an individual who bought it in August 2026.

Source: Bay County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	709 E 10TH CT, PANAMA CITY, FL 32401-3451
Owner Type	Individual
Vesting	Single Man

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

Date	Document
Aug 26, 2026	Warranty Deed, Transfer · VA Mortgage NORTHPOINTE BANK
Feb 10, 2025	Warranty Deed, Transfer BLUE MARTIN TITLE COMPANY, BLUE MARLIN TITLE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2026 · Amount on File
Deed Sale	Aug 26, 2026 · Amount on File
Prior Sale	Feb 10, 2025 · Amount on File
Deed Document Number	202652970
Deed Book / Page	5072 / 880
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 26, 2026
Property Address	709 E 10TH CT, A-D, PANAMA CITY, FL 32401-3451
Document Number	0000052970
Book / Page	5072 / 880
Instrument Date	Aug 25, 2026
Instrument	202652970
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	BLUE TITLE LLC, BLUE MARLIN TITIC GROUP, LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159,075.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 E 10TH CT, PANAMA CITY, FL 32401-3451

Mortgage

Document Number	0000052971,
Date	Aug 26, 2026
Instrument	202652971

Lender

Name	NORTHPOINTE BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 10, 2025
Property Address	709 E 10TH CT, PANAMA CITY, FL 32401-3451
Document Number	0048821215
Book / Page	4882 / 1215
Instrument Date	Feb 7, 2025
Instrument	2025006635
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	BLUE MARTIN TITLE COMPANY, BLUE MARLIN TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1505 LINCOLN AVE, PANAMA CITY, FL 32405-3145

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	614 TIMBERS XING, LYNN HAVEN, FL 32444-8342

Tax Assessment & Valuation

The 2025 property tax bill for 709 E 10th Ct, #A-D was $214, down 36.1% from the year before.

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	$214.00 (-36.12%)	$12,032 Land $12,032	$12,032 Land $12,032
2024	$335.00 (-30.64%)
2023	$483.00 (+11.55%)	$20,304 (+34.33%) Land $20,304	$20,304 (+34.33%) Land $20,304
2022	$433.00	$15,115 Land $15,115	$15,115 Land $15,115

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 709 E 10th Ct, #A-D in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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	4 in force
Nearby Flood Claims	6 (1995–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2023
Claims by Event	Hurricane Opal, Oct 1995 · 2 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 709 E 10th Ct, #A-D is low, with less than a 0.01% annual chance of wildfire.

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.

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 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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