718 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 718 E 12th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,360 sqft · built 2000
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Oct 2017)
Tax Bill	$432 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17433-000-000`

Property Details

APN / Parcel Number

Primary APN	`17433-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,360 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	572 sqft
Carport	Carport
Carport Area	572 sqft
Driveway	Driveway
Driveway Area	396 sqft
Patio Area	76 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	718 E 12TH ST
City	PANAMA CITY
State	FL
Zip	32401-3344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	SHADY HAVEN LOT 3 & E 3 OF LOT 4 BLK G ORB 3944 P 1784
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	SHADY HAVEN
Legal Block	G
Legal Lot Number	3,4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3019
Census Tract	1600

Owner

718 E 12th St is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	718 E 12TH ST, PANAMA CITY, FL 32401-3344
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2017 · Amount on File
Deed Sale	Oct 10, 2017 · Amount on File
Prior Sale	Nov 1, 2016 · Amount on File
Deed Document Number	201758432
Deed Book / Page	3944 / 1784
Prior Transfer Date	Feb 24, 2014
Prior Transfer Doc	0035880860
Record Updated	Jun 8, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 10, 2017
Property Address	718 E 12TH ST, PANAMA CITY, FL 32401-3344
Document Number	0039441784
Book / Page	3944 / 1784
Map Reference	MB1 PG57
Instrument Date	Oct 3, 2017
Instrument	2017058432
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	OMEGA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1912 ISABELLA AVE, 1912, PANAMA CITY, FL 32405-1527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	718 E 12TH ST, PANAMA CITY, FL 32401-3344

Mortgage

Document Number	2017058433
Date	Oct 10, 2017
Instrument	2017058433

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 718 E 12th St was $432 with a homeowner's exemption, down 24.6% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$432.00 (-24.61%) Homeowner's exemption	$57,027	$129,575 Land $15,040 Building $114,535
2024	$573.00 (-16.59%)
2023	$687.00 (-2.69%) Homeowner's exemption	$53,806 (+3%)	$113,391 (+10.53%) Land $12,690 Building $100,701
2022	$706.00 Homeowner's exemption	$52,239	$102,586 Land $9,447 Building $93,139

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

Flood

FEMA maps place 718 E 12th St 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

Wildfire

The area around 718 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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