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715 E 13th St, Panama City, FL 32401 Property Records

Bay County property record for 715 E 13th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,054 sqft · built 2007
Lot Size0.143 acres (6,229 sqft)
OwnerTrust Name on File
Last Sale$40,000 (Apr 2012)
Tax Bill$607 (2025)
Deeds & MortgagesNov 2025 Line of Credit
Flood ZoneZone X (minimal risk)
APN17389-010-000

Property Details

APN / Parcel Number

Primary APN17389-010-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,054 sqft Living Area
1st Floor Area1,054 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
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 Area351 sqft
PorchOpen Porch
Porch Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address715 E 13TH ST
CityPANAMA CITY
StateFL
Zip32401-3351
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal DescriptionSHADY HAVEN LOT 19 BLK D ORB 3763 P 409
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionSHADY HAVEN
Legal BlockD
Legal Lot Number19
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3017
Census Tract1600

Owner

715 E 13th St is owner-occupied and held in a trust since April 2012.

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

Owner of RecordTrust Name on File
Mailing Address715 E 13TH ST, PANAMA CITY, FL 32401-3351
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 5, 2012 · Amount on File
Deed SaleApr 5, 2012 · Amount on File
Prior SaleDec 22, 2010 · Amount on File
Deed Document Number201217980
Deed Book / Page3399 / 709
Prior Transfer DateNov 9, 2011
Prior Transfer Doc0033661348
Record UpdatedSep 20, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address715 E 13TH ST, PANAMA CITY, FL 32401-3351
Transaction TypeMortgage
Record UpdatedJun 8, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address715 E 13TH ST, PANAMA CITY, FL 32401-3351

Mortgage

Document Number0049771545
DateNov 26, 2025
Book Page4977/1545
Instrument2025069056
Lender
NameHANCOCK WHITNEY BANK
TypeBank
AddressPANAMA CITY, FL 32405
Agreement
TypeLine of Credit
AmountAmount on Record
Term300 Months
DueNov 14, 2050
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 715 E 13th St was $607 with a homeowner's exemption, down 16.6% 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$607.00 (-16.62%) Homeowner's exemption$80,506$101,168 Land $15,040 Building $86,128
2024$728.00 (-4.08%)
2023$759.00 (+2.15%) Homeowner's exemption$75,958 (+21.31%)$88,176 (+33.69%) Land $12,690 Building $75,486
2022$743.00 Homeowner's exemption$62,617$65,957 Land $9,447 Building $56,510

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

Flood

FEMA maps place 715 E 13th 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 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 715 E 13th St is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 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 172 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
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: Verizon.

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