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709 E 12th Ct, Panama City, FL 32401 Property Records

Bay County property record for 709 E 12th Ct, Panama City, FL 32401

Property Summary

Property TypeResidential Vacant Land
Details1 bd · 1 ba · 480 sqft · built 1944
Lot Size0.142 acres (6,229 sqft)
OwnerIndividual Name on File
Tax Bill$211 (2025)
Deeds & MortgagesNov 2025 Transfer
Flood ZoneZone X (minimal risk)
APN17407-000-000

Property Details

APN / Parcel Number

Primary APN17407-000-000

Interior

Bedrooms1 Bed
Full Baths1 Bath
Stories1 Story
Building Area480 sqft

Exterior

Year BuiltBuilt 1944
Lot Area6,229 sqft (0.142 acres)
Lot Dimensions125 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address709 E 12TH CT
CityPANAMA CITY
StateFL
Zip32401-3347
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodePC04
Legal DescriptionSHADY HAVEN LOT 16 BLK E ORB 1970 P 653
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionSHADY HAVEN
Legal BlockE
Legal Lot Number16
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3016
Census Tract1600

Owner

709 E 12th Ct, residential vacant land, is owned by an individual who acquired it in November 2025.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Co-owner2 Co-owners on File
Mailing Address950 UNDERHILL AVENUE, PANAMA CITY, FL 32404
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

Assessor's Deed Record

Deed Names3 Names on Deed
Prior SaleJan 2, 2001
Last Transfer DateNov 24, 2025
Transfer Doc0049761373
Record UpdatedJun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateNov 24, 2025
Property Address709 E 12TH CT, PANAMA CITY, FL 32401-3347
Document Number0049761373
Book / Page4976 / 1373
Instrument DateNov 21, 2025
Instrument2025068365
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address925 LEE CT, PANAMA CITY, FL 32404-9661

Transferred To (Grantee/Buyer)

NameVerified Name
Address950 UNDERHILL AVENUE, PANAMA CITY, FL 32404

Tax Assessment & Valuation

The 2025 property tax bill for 709 E 12th Ct was $211, down 3.2% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$211.00 (-3.21%)$15,040 (+6.67%) Land $15,040$15,040 (+6.67%) Land $15,040
2024$218.00 (-42.02%)$14,100 (+11.11%) Land $14,100$14,100 (+11.11%) Land $14,100
2023$376.00 (+8.05%)$12,690 (+34.33%) Land $12,690$12,690 (+34.33%) Land $12,690
2022$348.00$9,447 Land $9,447$9,447 Land $9,447

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

Flood

FEMA maps place 709 E 12th Ct in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1995)
Most Recent ClaimOct 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.

Wildfire

Wildfire risk around 709 E 12th Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% 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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 214 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75

May also be available: AT&T, T-Mobile.

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