806 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 806 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,037 sqft · built 1952
Lot Size	0.444 acres (19,341 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Oct 2017)
Tax Bill	$3,010 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22059-000-000`

Property Details

APN / Parcel Number

Primary APN	`22059-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,037 sqft Heated Area
Gross Area	2,528 sqft
1st Floor Area	2,037 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2012
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,341 sqft (0.444 acres)
Lot Dimensions	228 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	384 sqft
Driveway	Driveway
Driveway Area	480 sqft

Exterior Amenities

Porch	Porch
Porch Area	35 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	806 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD. LOT 36 & A PART OF LOT 35 ORB BLK G
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	G
Legal Lot Number	35,36,A
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	806 E 2ND CT, PANAMA CITY, FL 32401-3828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · VA Mortgage CENTENNIAL BK
Oct 11, 2017	Warranty Deed, Transfer · VA Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2017 · Amount on Record
Deed Sale	Oct 11, 2017 · Amount on Record
Prior Sale	Nov 26, 2014 · Amount on Record
Deed Document Number	2017058824
Deed Book / Page	3945 / 0442
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	806 E 2ND CT, PANAMA CITY, FL 32401-3828
Document Number	0043102073
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	806 E 2ND CT PANAMA CITY FL 324013828, PANAMA CITY, FL 32401-3828

Mortgage

Document Number	0043102073
Date	Oct 15, 2020
Book Page	004310/002073
Instrument	68498

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 11, 2017
Property Address	806 E 2ND CT, PANAMA CITY, FL 32401-3828
Document Number	0039450442
Book / Page	3945 / 0442
Map Reference	MB7 PG60
Instrument Date	Sep 29, 2017
Instrument	2017058824
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	806 E 2ND CT, 806, PANAMA CITY, FL 32401-3828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 E 2ND CT, PANAMA CITY, FL 32401-3828

Mortgage

Document Number	2017058825
Date	Oct 11, 2017
Instrument	2017058825

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$3,010.00 (-6.93%) Homeowner's exemption	$232,662 (+5.99%)	$297,830 (+22.33%) Land $64,982 Building $232,848
2023	$3,234.00 (+5.48%) Homeowner's exemption	$219,519 (+3%)	$243,472 (+10.6%) Land $56,100 Building $187,372
2022	$3,066.00 Homeowner's exemption	$213,125	$220,131 Land $48,713 Building $171,418

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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