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

Bay County property record for 803 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 2021
Lot Size	0.298 acres (13,024 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Dec 2021)
Tax Bill	$3,734 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22033-000-000`

Property Details

APN / Parcel Number

Primary APN	`22033-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,892 sqft Heated Area
Gross Area	2,124 sqft
1st Floor Area	1,744 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,024 sqft (0.298 acres)
Lot Dimensions	157 ft deep x 83 ft wide
Driveway	Driveway
Driveway Area	700 sqft

Exterior Amenities

Pool Area	448 sqft
Porch	Porch
Porch Area	186 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	803 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 9 BLK G ORB 3962 P 1169
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	G
Legal Lot Number	9
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
Co-owner	Co-owner on Record
Mailing Address	803 E 2ND ST, PANAMA CITY, FL 32401-3848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Dec 8, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
May 3, 2018	Deed of Trust, Mortgage · Conventional with PMI EVERITT R J EMP BENE TR (PT)
Dec 12, 2017	Warranty Deed, Transfer · Construction Mortgage JUDITH G LAIRD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2021 · Amount on Record
Deed Sale	Dec 8, 2021 · Amount on Record
Prior Sale	Dec 12, 2017 · Amount on Record
Deed Document Number	2021093156
Deed Book / Page	4496 / 977
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	803 E 2ND ST, PANAMA CITY, FL 32401-3848
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 E 2ND ST, PANAMA CITY, FL 32401-3848

Mortgage

Document Number	0049872396
Date	Dec 30, 2025
Book Page	4987/2396
Instrument	2025075775

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2036

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 8, 2021
Property Address	803 E 2ND ST, PANAMA CITY, FL 32401-3848
Document Number	0044960977
Book / Page	4496 / 977
Map Reference	MB 7 PG 60
Instrument Date	Dec 3, 2021
Instrument	2021093156
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	227 S COVE TERRACE DR, 227, PANAMA CITY, FL 32401-4038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 E 2ND ST, PANAMA CITY, FL 32401-3848

Mortgage

Document Number	0004496979
Date	Dec 8, 2021
Instrument	4496/979

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	803 E 2ND ST, PANAMA CITY, FL 32401-3848
Document Number	0040051124
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	May 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 E 2ND ST PANAMA CITY FL 324013848, PANAMA CITY, FL 32401-3848

Mortgage

Document Number	0040051124
Date	May 4, 2018
Book Page	004005/001124
Instrument	26730

Lender

Name	EVERITT R J EMP BENE TR (PT)
Address	629 BAYWOOD DR, LYNN HAVEN, FL 32444-4402

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 12, 2017
Property Address	803 E 2ND ST, PANAMA CITY, FL 32401-3848
Document Number	0039621169
Book / Page	003962 / 001169
Instrument Date	Dec 11, 2017
Instrument	71324
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 S COVE TERRACE DR PANAMA CITY BEACH FL 324014038, PANAMA CITY BEACH, FL 32401-4038

Mortgage

Document Number	39621171
Date	Dec 12, 2017
Book Page	003962/001171
Instrument	71325

Lender

Name	JUDITH G LAIRD
Address	229 N COVE BLVD, PANAMA CITY BEACH, FL 32401-3876
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 11, 2018

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	$3,734.00 (-6.67%) Homeowner's exemption	$278,471 (+5.99%)	$359,139 (+20.75%) Land $58,262 Building $300,877
2023	$4,001.00 (+21.94%) Homeowner's exemption	$262,741 (+6.71%)	$297,425 (+12.96%) Land $50,298 Building $247,127
2022	$3,281.00 Homeowner's exemption	$246,226	$263,298 Land $43,675 Building $219,623

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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