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

Bay County property record for 722 E 12th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 744 sqft · built 2024
Lot Size0.135 acres (5,880 sqft)
Owner2 Individual Names on File
Last Sale$185,000 (Dec 2024)
Tax Bill$2,767 (2025)
Deeds & MortgagesDec 2024 Sale & Mortgage
Sep 2023 Sale
Flood ZoneZone X (minimal risk)
APN17434-000-000

Property Details

APN / Parcel Number

Primary APN17434-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Building Area744 sqft Living Area
Gross Area888 sqft
1st Floor Area744 sqft

Exterior

Lot Area5,880 sqft (0.135 acres)
Lot Dimensions126 ft deep x 47 ft wide
Total Buildings2 Buildings

Location & Zoning

Street Address722 E 12TH ST
CityPANAMA CITY
StateFL
Zip32401-3344
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal DescriptionSHADY HAVEN LOT 4 LESS E 3 BLK G ORB 4734 P 572 MAP 105B1
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionSHADY HAVEN
Legal BlockG
Legal Lot Number4
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3019
Census Tract1600

Owner

722 E 12th St is owned by two individuals who bought it in December 2024.

Source: Bay County records, as of August 4, 2026

Owner of Record2 Individual Names on File
Mailing Address1914 FRANKFORD AVE, 623, PANAMA CITY, FL 32405-3011
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Dec 2, 2024Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Sep 26, 2023Warranty Deed, Transfer
SETCO SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 2, 2024 · Amount on File
Deed SaleDec 2, 2024 · Amount on File
Prior SaleSep 26, 2023 · Amount on File
Deed Document Number202470008
Deed Book / Page4864 / 766
Record UpdatedOct 29, 2026

December 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 2, 2024
Property Address722 E 12TH ST, PANAMA CITY, FL 32401-3344
Document Number0048640766
Book / Page4864 / 766
Map ReferenceMB 1 PG 57
Instrument DateNov 26, 2024
Instrument2024070008
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanyCLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,295.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address331 SIDECAMP RD, INLET BEACH, FL 32461-7458

Transferred To (Grantee/Buyer)

NameVerified Name
Address1914 FRANKFORD AVE UNIT 623, 623, PANAMA CITY, FL 32405-3011

Mortgage

Document Number2024070009
DateDec 2, 2024
Instrument2024070009
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 1, 2054

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 26, 2023
Property Address722 E 12TH ST, PANAMA CITY, FL 32401-3344
Document Number0047340572
Book / Page4734 / 572
Instrument DateSep 25, 2023
Instrument2023060903
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanySETCO SERVICES LLC

Transaction

AmountAmount on Record
Tax$94.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address145 MELON DR, WEST COLUMBIA, SC 29170-3087

Transferred To (Grantee/Buyer)

NameVerified Name
Address331 SIDECAMP RD, INLET BEACH, FL 32461-7458
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 722 E 12th St was $2,767.

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$2,767.00$156,215 Land $14,138 Building $142,077$156,215 Land $14,138 Building $142,077
2023$366.00 (+7.65%)$11,928 (+34.32%) Land $11,928$11,928 (+34.32%) Land $11,928
2022$340.00$8,880 Land $8,880$8,880 Land $8,880

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 722 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 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

The area around 722 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 RiskNot 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 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 355 locations within half a mile, as of December 31, 2025

ProviderMax 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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