Bay County property record for 715 E 12th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,312 sqft · built 2023 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $235 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 17426-000-000 |
| Primary APN | 17426-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Driveway | Driveway |
| Driveway Area | 320 sqft |
| Porch | Open Porch |
| Porch Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 715 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | SHADY HAVEN LOT 19 BLK F ORB 3380 P 653 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | SHADY HAVEN |
| Legal Block | F |
| Legal Lot Number | 19 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 1600 |
715 E 12th St is owned and occupied by an individual who acquired it in December 2011.
Source: Bay County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 1052, PANAMA CITY, FL 32402-1052 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 12, 2011 |
| Transfer Doc | 0033800653 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 715 E 12th St was $235 with a homeowner's exemption, down 36% 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 | $235.00 (-35.97%) Homeowner's exemption | $39,901 | $177,787 Land $15,040 Building $162,747 |
| 2024 | $367.00 (+118.45%) | ||
| 2023 | $168.00 (-62.5%) Homeowner's exemption | $9,000 (-76.16%) | $12,690 (-68.78%) Land $12,690 |
| 2022 | $448.00 Homeowner's exemption | $37,756 | $40,651 Land $9,447 Building $31,204 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 715 E 12th St in Zone X, an area of minimal flood risk, within 100 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
The area around 715 E 12th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 355 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 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 |
May also be available: Hotwire Communications.
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