Bay County property record for 728 E 12th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 845 sqft · built 1960 |
| Lot Size | 0.062 acres (2,744 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $622 (2025) |
| Deeds & Mortgages | Aug 2025 Transfer Jan 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 17431-000-000 |
| Primary APN | 17431-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 845 sqft Heated Area |
| Gross Area | 925 sqft |
| 1st Floor Area | 845 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 2,744 sqft (0.062 acres) |
| Lot Dimensions | 55 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 100 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 728 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 N 55' LOT 1 BLK G MAP 105B1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | SHADY HAVEN |
| Legal Block | G |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 1600 |
728 E 12th St is owned by an individual who acquired it in August 2025.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1324 WINDSOR GLEN DR, PANAMA CITY, FL 32401 |
| 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 |
|---|---|
| Aug 13, 2025 | Intrafamily Transfer, Transfer |
| Jan 29, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | Aug 26, 2019 · Amount on File |
| Last Transfer Date | Aug 13, 2025 |
| Transfer Doc | 0049420034 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 13, 2025 |
| Property Address | 728 E 12TH ST, PANAMA CITY, FL 32401-3344 |
| Document Number | 0049420034 |
| Book / Page | 4942 / 34 |
| Instrument Date | Aug 7, 2025 |
| Instrument | 2025045964 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1324 WINDSOR GLEN DR, DOUGLASVILLE, GA 30134-2733 |
| Name | Verified Name |
|---|---|
| Address | 1324 WINDSOR GLEN DR, PANAMA CITY, FL 32401 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 29, 2020 |
| Property Address | 726 E 12TH ST, PANAMA CITY, FL 32401-3344 |
| Document Number | 0042152354 |
| Book / Page | 004215 / 002354 |
| Instrument Date | Jan 20, 2020 |
| Instrument | 6948 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 726 E 12TH ST PANAMA CITY FL 324013344, PANAMA CITY, FL 32401-3344 |
The 2025 property tax bill for 728 E 12th St was $622.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $622.00 | $39,444 Land $9,920 Building $29,524 | $39,444 Land $9,920 Building $29,524 |
| 2023 | $156.00 (-36.33%) Homeowner's exemption | $22,720 (+3%) | $34,409 (+14.79%) Land $8,370 Building $26,039 |
| 2022 | $245.00 Homeowner's exemption | $22,058 | $29,976 Land $6,231 Building $23,745 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 728 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.
The area around 728 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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