801 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 801 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,591 sqft · built 1952
Lot Size	0.237 acres (10,324 sqft)
Owner	Individual Name on Record
Last Sale	$192,500 (May 2019)
Tax Bill	$338 (2023)
Deeds & Mortgages	Sep 2021 Mortgage May 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22032-000-000`

Property Details

APN / Parcel Number

Primary APN	`22032-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,591 sqft Heated Area
Gross Area	2,208 sqft
1st Floor Area	1,591 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2012
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	10,324 sqft (0.237 acres)
Lot Dimensions	115 ft deep x 90 ft wide
Porch	Porch
Porch Area	57 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	801 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-3848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD. LOT 8 BLK G ORB 4128 P 2257
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	G
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2015
Census Tract	1900

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	801 E 2ND ST, PANAMA CITY, FL 32401-3848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 30, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Feb 26, 2019	Trustee's Deed, Construction Loan · Construction Mortgage GIRIDHAR ANDHAVARAPU
Jan 10, 2019	Warranty Deed, Transfer ROYALTY TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2019 · Amount on Record
Deed Sale	May 30, 2019 · Amount on Record
Prior Sale	Jan 10, 2019 · Amount on Record
Deed Document Number	2019051469
Deed Book / Page	4128 / 2257
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	801 E 2ND ST, PANAMA CITY, FL 32401-3848
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 E 2ND ST, PANAMA CITY BEACH, FL 32401-3848

Mortgage

Document Number	0044580996
Date	Sep 9, 2021
Book Page	4458/996
Instrument	2021069217

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 30, 2019
Property Address	801 E 2ND ST, PANAMA CITY, FL 32401-3848
Document Number	0041282257
Book / Page	004128 / 002257
Instrument Date	May 20, 2019
Instrument	51469
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	ROYALTY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,347.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 E 2ND ST PANAMA CITY FL 324013848, PANAMA CITY, FL 32401-3848

Mortgage

Document Number	41282261
Date	May 30, 2019
Book Page	004128/002261
Instrument	51471

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2049

February 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BAY FL
Recording Date	Feb 26, 2019
Property Address	801 E 2ND ST, PANAMA CITY, FL 32401-3848
Document Number	0040940152
Book / Page	004094 / 000152
Instrument Date	Jan 31, 2019
Instrument	21380
Transaction Type	Construction Loan
Record Updated	Mar 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	801 2NS ST E PANAMA CITY FL 32401, PANAMA CITY, FL 32401

Mortgage

Document Number	40940152
Date	Feb 26, 2019
Book Page	004094/000152
Instrument	21380

Lender

Name	GIRIDHAR ANDHAVARAPU
Address	296 W HAROLD GRISWOLD WAY, HANFORD, CA 93230-8310

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 25, 2020

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 10, 2019
Property Address	801 E 2ND ST, PANAMA CITY, FL 32401-3848
Document Number	0040770938
Book / Page	004077 / 000938
Instrument Date	Jan 7, 2018
Instrument	3443
Transaction Type	Transfer
Record Updated	Jan 30, 2019
Title Company	ROYALTY TITLE INC

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1420 CELEBRATION BLVD #200 CELEBRATION FL 347475162, 200, CELEBRATION, FL 34747-5162

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$184,158 (+5.99%)	$244,284 (+22.79%) Land $56,920 Building $187,364
2023	$338.00 (-21.4%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$173,755 (+3%)	$198,938 (+10.94%) Land $49,140 Building $149,798
2022	$430.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$168,694	$179,320 Land $42,669 Building $136,651

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

Flood

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 Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 claims

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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