711 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 711 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1960
Lot Size	0.192 acres (8,363 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Aug 2021)
Tax Bill	$1,449 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20739-000-000`

Property Details

APN / Parcel Number

Primary APN	`20739-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,484 sqft Living Area
1st Floor Area	1,484 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,363 sqft (0.192 acres)
Lot Dimensions	105 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	168 sqft
Carport	Carport
Carport Area	168 sqft
Driveway	Driveway
Driveway Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	711 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-3846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD E 80 LOTS 23,24 BLK 36 ORB 4447 P 954
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	36
Legal Lot Number	23,24
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2006
Census Tract	1900

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	711 E 2ND ST, PANAMA CITY, FL 32401-3846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2021 · Amount on Record
Deed Sale	Aug 13, 2021 · Amount on Record
Prior Sale	Jun 22, 2007 · Amount on Record
Deed Document Number	202162551
Deed Book / Page	4447 / 954
Prior Transfer Date	Apr 4, 2013
Prior Transfer Doc	0035171171
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	711 E 2ND ST, PANAMA CITY, FL 32401-3846
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 E 2ND ST, PANAMA CITY BEACH, FL 32401-3846

Mortgage

Document Number	0046990684
Date	Jun 14, 2023
Book Page	4699/684
Instrument	2023036897

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 13, 2021
Property Address	711 E 2ND ST, PANAMA CITY, FL 32401-3846
Document Number	0044470954
Book / Page	4447 / 954
Map Reference	MB 1 PG 30
Instrument Date	Aug 9, 2021
Instrument	2021062551
Transaction Type	Transfer
Record Updated	Sep 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19729 ROSS RD, 19729, FOUNTAIN, FL 32438-2328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 E 2ND ST, PANAMA CITY, FL 32401-3846

Mortgage

Document Number	0044470960
Date	Aug 13, 2021
Book Page	4447/960
Instrument	2021062554

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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	$1,449.00 (-6.15%) Homeowner's exemption	$133,793 (+5.99%)	$168,625 (+23.21%) Land $48,372 Building $120,253
2024	$1,544.00 (-4.75%)
2023	$1,621.00 (+0.87%) Homeowner's exemption	$126,235 (-2.8%)	$136,860 (+5.38%) Land $41,760 Building $95,100
2022	$1,607.00 Homeowner's exemption	$129,873 Land $36,261 Building $93,612	$129,873 Land $36,261 Building $93,612

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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