710 Frederick St, Panama City, FL 32405 Property Records

Bay County property record for 710 Frederick St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,586 sqft · built 1980
Lot Size	0.619 acres (26,964 sqft)
Owner	Individual Name on Record
Last Sale	$158,500 (Apr 2015)
Tax Bill	$1,652 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`13018-281-000`

Property Details

APN / Parcel Number

Primary APN	`13018-281-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,586 sqft Heated Area
Gross Area	2,315 sqft
1st Floor Area	1,586 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	26,964 sqft (0.619 acres)
Lot Dimensions	270 ft deep x 100 ft wide
Garage Area	460 sqft
Porch	Porch
Porch Area	213 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	710 FREDERICK ST
City	PANAMA CITY
State	FL
Zip	32405-3918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHGATE LOT 3 & BEG NW COR LOT 3 BLK B NORTHGATE TH; N 140.41' E100'
Legal Range	14W
Legal Township	03S
Legal Section	29
Legal Subdivision	NORTHGATE
Legal Block	B
Legal Lot Number	3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4023
Census Tract	1502

Owner

Source: Bay County records, as of January 23, 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
Co-owner	Co-owner on Record
Mailing Address	710 FREDERICK ST, PANAMA CITY, FL 32405-3918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2015 · Amount on Record
Deed Sale	Apr 24, 2015 · Amount on Record
Prior Sale	Aug 4, 2006 · Amount on Record
Deed Document Number	2015022009
Deed Book / Page	3693 / 1157
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	710 FREDERICK ST, PANAMA CITY, FL 32405-3918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 FREDERICK ST, PANAMA CITY, FL 32405-3918

Mortgage

Document Number	0043230501
Date	Nov 12, 2020
Book Page	4323/501
Instrument	2020076267

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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

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	$1,652.00 (-10.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$151,635 (+5.99%)	$204,437 (+11.66%) Land $70,173 Building $134,264
2023	$1,847.00 (+3.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$143,070 (+3%)	$183,092 (+9.77%) Land $55,144 Building $127,948
2022	$1,790.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$138,903	$166,792 Land $50,285 Building $116,507

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 119 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	119 in force
Nearby Flood Claims	77 (1988–2022)
Claims Outside the SFHA	29 of 77
Most Recent Claim	Sep 2022 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 46 claims Severe Storms And Flooding, Jul 2013 · 4 claims Hurricane Georges, Sep 1998 · 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	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