Bay County property record for 715 E 12th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 744 sqft · built 1949 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $602 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 17409-000-000 |
| Primary APN | 17409-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 744 sqft Living Area |
| 1st Floor Area | 744 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 715 E 12TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | SHADY HAVEN LOT 19 ORB 711 P 557 BLK E ORB 3232 P 2201 MAP 105B1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | SHADY HAVEN |
| Legal Block | E |
| Legal Lot Number | 19 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 1600 |
715 E 12th Ct is owned by an individual who acquired it in April 2010.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23930 OCEAN AVE, 227, TORRANCE, CA 90505-5871 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 15, 2010 |
| Transfer Doc | 0032322201 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 715 E 12th Ct was $602, down 29.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $602.00 (-29.51%) | $33,811 (-23.04%) | $46,596 (+6.06%) Land $15,040 Building $31,556 |
| 2024 | $854.00 (+15.56%) | $43,934 (+9.3%) Land $14,100 Building $29,834 | $43,934 (+9.3%) Land $14,100 Building $29,834 |
| 2023 | $739.00 (+23.37%) | $40,195 (+50.78%) Land $12,690 Building $27,505 | $40,195 (+50.78%) Land $12,690 Building $27,505 |
| 2022 | $599.00 | $26,658 Land $9,447 Building $17,211 | $26,658 Land $9,447 Building $17,211 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 715 E 12th Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 21.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1995) |
| Most Recent Claim | Oct 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 risk around 715 E 12th Ct is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 172 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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