Bay County property record for 7119 E 10th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,275 sqft · built 2014 |
| Lot Size | 0.342 acres (14,897 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Feb 2022) |
| Tax Bill | $2,202 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Apr 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06000-108-000 |
| Primary APN | 06000-108-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,275 sqft Living Area |
| Gross Area | 1,715 sqft |
| 1st Floor Area | 1,275 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,897 sqft (0.342 acres) |
| Lot Dimensions | 157 ft deep x 95 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Porch | Open Porch |
| Porch Area | 219 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7119 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-2303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 5 4S 13W-3.30A- BEG 521 W & 350 S OF NE COR OF SW1/4 W 95 S 157 E 95 N 157 TO POB AKA LOT 3 BLK 3 VERNON KENDRICK UNREC ORB 4520 P 938 SUB TO FP&L ESMT |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 05 |
| Legal Subdivision | VERNON KENDRICK |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 803 |
7119 E 10th St is owned and occupied by an individual who bought it in February 2022.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7119 E 10TH ST, PANAMA CITY, FL 32404-2303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 7, 2022 | Warranty Deed, Transfer · VA Mortgage EVERETT FINANCIAL INC |
| Apr 10, 2019 | Warranty Deed, Transfer · VA Mortgage USAA |
| Aug 3, 2017 | Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 7, 2022 · Amount on File |
| Deed Sale | Feb 7, 2022 · Amount on File |
| Prior Sale | Apr 10, 2019 · Amount on File |
| Deed Document Number | 20228686 |
| Deed Book / Page | 4520 / 938 |
| Prior Transfer Date | Feb 21, 2011 |
| Prior Transfer Doc | 0033052131 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 7, 2022 |
| Property Address | 7119 E 10TH ST, PANAMA CITY, FL 32404-2303 |
| Document Number | 0045200938 |
| Book / Page | 4520 / 938 |
| Instrument Date | Dec 28, 2021 |
| Instrument | 2022008686 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2022 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1571 POLK BARRON ST, 1571, TURTLE LAKE, WI 54889-8846 |
| Name | Verified Name |
|---|---|
| Address | 7119 E 10TH ST, PANAMA CITY, FL 32404-2303 |
| Document Number | 0004520940 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 4520/940 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 10, 2019 |
| Property Address | 7119 E 10TH ST, PANAMA CITY, FL 32404-2303 |
| Document Number | 0041102268 |
| Book / Page | 004110 / 002268 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 36590 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2020 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7119 E 10TH ST CALLAWAY FL 324042303, CALLAWAY, FL 32404-2303 |
| Document Number | 41102275 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 004110/002275 |
| Instrument | 36593 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 3, 2017 |
| Property Address | 7119 E 10TH ST, PANAMA CITY, FL 32404-2303 |
| Document Number | 0039241342 |
| Book / Page | 3924 / 1342 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 2017044182 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | CORNERSTONE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7119 E 10TH ST, 7119, PANAMA CITY, FL 32404-2303 |
| Name | Verified Name |
|---|---|
| Address | 7119 E 10TH ST, PANAMA CITY, FL 32404-2303 |
| Document Number | 2017044183 |
|---|---|
| Date | Aug 3, 2017 |
| Instrument | 2017044183 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 7119 E 10th St was $2,202 with exemptions applied, down 1.1% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,202.00 (-1.12%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $222,624 | $250,203 Land $26,866 Building $223,337 |
| 2024 | $2,227.00 (+2.11%) | ||
| 2023 | $2,181.00 (+11.62%) Homeowner's exemption | $210,048 (+3%) | $220,764 (+8.25%) Land $26,674 Building $194,090 |
| 2022 | $1,954.00 Homeowner's exemption | $203,930 Land $25,426 Building $178,504 | $203,930 Land $25,426 Building $178,504 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7119 E 10th St in Zone X, an area of minimal flood risk, though there have been 14 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 |
| Flood Insurance Cost | Premium on File median of 41 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 14 (1995–2022) |
| Claims Outside the SFHA | 12 of 14 |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
| Claims by Event |
|
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 risk around 7119 E 10th St is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures