Bay County property record for 7200 E 10th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,348 sqft · built 2003 |
| Lot Size | 0.278 acres (12,109 sqft) |
| Owner | Individual Name on File |
| Last Sale | $109,900 (Dec 2003) |
| Tax Bill | $406 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06000-125-000 |
| Primary APN | 06000-125-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,348 sqft Living Area |
| Gross Area | 1,590 sqft |
| 1st Floor Area | 1,348 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,109 sqft (0.278 acres) |
| Lot Dimensions | 135 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 242 sqft |
| Driveway | Driveway |
| Driveway Area | 480 sqft |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7200 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-2304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 5-4S-13W -3.65- 131A- BEG 567 S & 845.4 ELY OF NW COR OF NE1/4 OF SW1/4 TH ELY 135 SLY 90 WLY 135 NLY 90 TO POB AKA L-1B-4 VERNON KENDRICK UNR ORB 4006 P 1477 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 05 |
| Legal Subdivision | VERNON KENDRICK PROP |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 803 |
7200 E 10th St is owned and occupied by an individual who acquired it in March 2018.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7200 E 10TH ST, PANAMA CITY, FL 32404-2304 |
| 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.
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Jul 10, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC |
| May 9, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2003 · Amount on File |
| Deed Sale | Dec 1, 2003 · Amount on File |
| Deed Document Number | 200388268 |
| Deed Book / Page | 2370 / 1072 |
| Last Transfer Date | Mar 8, 2018 |
| Transfer Doc | 0040061477 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 7200 E 10TH ST, PANAMA CITY, FL 32404-2304 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7200 E 10TH ST, PANAMA CITY, FL 32404-2304 |
| Document Number | 0045000166 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 4500/166 |
| Instrument | 2021095318 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 7200 E 10TH ST, PANAMA CITY, FL 32404-2304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040260534 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 4026/0534 |
| Instrument | 2018040683 |
| Name | AMERICAN INTERNET MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 9, 2018 |
| Property Address | 7200 E 10TH ST, PANAMA CITY, FL 32404-2304 |
| Document Number | 0040061477 |
| Book / Page | 004006 / 001477 |
| Instrument Date | Mar 8, 2018 |
| Instrument | 27490 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7200 E 10TH ST CALLAWAY FL 324042304, CALLAWAY, FL 32404-2304 |
The 2025 property tax bill for 7200 E 10th St was $406 with a homeowner's exemption, down 6.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $406.00 (-6.45%) Homeowner's exemption | $68,123 | $127,104 Land $24,444 Building $102,660 |
| 2024 | $434.00 (+0.7%) | ||
| 2023 | $431.00 (+8.84%) Homeowner's exemption | $64,275 (+3%) | $114,436 (+8.29%) Land $24,269 Building $90,167 |
| 2022 | $396.00 Homeowner's exemption | $62,403 | $105,678 Land $23,134 Building $82,544 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7200 E 10th St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1995.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 41 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 14 (1995–2022) |
| Claims Outside the SFHA | 12 of 14 |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
| Claims by Event |
|
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 7200 E 10th St is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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