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712 E 13th Ct, Panama City, FL 32401 Property Records

Bay County property record for 712 E 13th Ct, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,312 sqft · built 1936
Lot Size0.143 acres (6,229 sqft)
Owner2 Individual Names on File
Tax Bill$336 (2025)
Deeds & MortgagesSep 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APN17380-000-000

Property Details

APN / Parcel Number

Primary APN17380-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,312 sqft Living Area
1st Floor Area1,312 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1936
Effective Year BuiltEffective 1956
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialOther
Lot Area6,229 sqft (0.143 acres)
Lot Dimensions125 ft deep x 50 ft wide
DrivewayDriveway
Driveway Area1,280 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address712 E 13TH CT
CityPANAMA CITY
StateFL
Zip32401-3354
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal DescriptionSHADY HAVEN LOT 6 BLK D ORB 313 P 450 ORB 2141 P 88 ORB 2141 P 91
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionSHADY HAVEN
Legal BlockD
Legal Lot Number6
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3017
Census Tract1600

Owner

712 E 13th Ct is owned and occupied by two individuals who acquired it in May 2002.

Source: Bay County records, as of September 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address712 E 13TH CT, PANAMA CITY, FL 32401-3354
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 7, 2002
Deed SaleMay 7, 2002
Prior SaleMay 7, 2002
Deed Document Number200227587
Deed Book / Page2141 / 91
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Recording DateSep 2, 2026
Property Address712 E 13TH CT, PANAMA CITY, FL 32401-3354
Document Number0000054558
Book / Page5074 / 2043
Instrument DateAug 20, 2026
Instrument202654558
Transaction TypeMortgage
Record UpdatedSep 24, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address712 E 13TH CT, PANAMA CITY, FL 32401-3354

Mortgage

Document Number0000054558,
DateSep 2, 2026
Book Page5074/2043
Instrument202654558
Lender
NameCAPITAL LENDING
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueSep 15, 2056
Interest
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 712 E 13th Ct was $336 with a homeowner's exemption, down 27.7% 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$336.00 (-27.74%) Homeowner's exemption$46,291$64,768 Land $15,040 Building $49,728
2024$465.00 (-2.92%)
2023$479.00 (-4.77%) Homeowner's exemption$43,676 (+3%)$56,118 (+14.19%) Land $12,690 Building $43,428
2022$503.00 Homeowner's exemption$42,404$49,145 Land $9,447 Building $39,698

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

Flood

FEMA maps place 712 E 13th Ct 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 712 E 13th Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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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