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

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

Property Summary

Property TypeVacant Land
Details3 bd · 1 ba · 1,100 sqft · built 1942
Lot Size0.143 acres (6,229 sqft)
OwnerIndividual Name on File
Last Sale$12,700 (Jan 2024)
Tax Bill$237 (2025)
Deeds & MortgagesJan 2024 Foreclosure
Flood ZoneZone X (minimal risk)
APN17423-000-000

Property Details

APN / Parcel Number

Primary APN17423-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,100 sqft Living Area
Gross Area1,326 sqft
1st Floor Area1,100 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1942
Effective Year BuiltEffective 1942
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,229 sqft (0.143 acres)
Lot Dimensions125 ft deep x 50 ft wide
Garage TypeCarport
CarportCarport
PorchFinished/Open Porch
Porch Area206 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemConvection

Location & Zoning

Street Address709 E 12TH ST
CityPANAMA CITY
StateFL
Zip32401-3343
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Local Zoning CodePC04
Legal DescriptionSHADY HAVEN LOT 16 BLK F ORB 4767 P 1070 MAP 105B1
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionSHADY HAVEN
Legal BlockF
Legal Lot Number16
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3020
Census Tract1600

Owner

709 E 12th St, vacant land, is owned by an individual who bought it in January 2024.

Source: Bay County records, as of April 30, 2026

Owner of RecordIndividual Name on File
Mailing Address222 NANCY AVE, PANAMA CITY BEACH, FL 32413-3429
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 NamesName on Deed
Last SaleJan 24, 2024 · Amount on File
Deed SaleJan 24, 2024 · Amount on File
Deed Document Number20243856
Deed Book / Page4767 / 1070
Prior Transfer DateApr 21, 2001
Prior Transfer Doc0000020131
Record UpdatedJun 8, 2026

January 2024: Public Action, Foreclosure

Document TypePublic Action
JurisdictionBAY FL
Recording DateJan 24, 2024
Property Address709 E 12TH ST, PANAMA CITY, FL 32401-3343
Document Number0047671070
Book / Page4767 / 1070
Map ReferenceMB 2023 PG 1117
Instrument DateJan 24, 2024
Instrument2024003856
Transaction TypeForeclosure
Record UpdatedFeb 8, 2024

Transaction

AmountAmount on Record
Tax$88.90
Amount AccuracyTax Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address222 NANCY AVE, PANAMA CITY BEACH, FL 32413-3429

Tax Assessment & Valuation

The 2025 property tax bill for 709 E 12th St was $237, down 3.3% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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$237.00 (-3.27%)$15,040 (+6.67%) Land $15,040$15,040 (+6.67%) Land $15,040
2024$245.00 (-23.44%)$14,100 (+11.11%) Land $14,100$14,100 (+11.11%) Land $14,100
2023$320.00 (+54.59%)$12,690 (+224.47%) Land $12,690$12,690 (+34.33%) Land $12,690
2022$207.00 Homeowner's exemption$3,911$9,447 Land $9,447

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 709 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 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 St 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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