Bay County property record for 809 E 10th Ct, Panama City, FL 32401
| Property Type | Vacant Land |
|---|---|
| Details | 2 bd · 1 ba |
| Lot Size | 0.114 acres (4,965 sqft) |
| Owner | Individual Name on File |
| Last Sale | $263,000 (Oct 2025) |
| Tax Bill | $394 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17025-000-000 |
| Primary APN | 17025-000-000 |
|---|
| Lot Area | 4,965 sqft (0.114 acres) |
|---|---|
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Street Address | 809 E 10TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3453 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | PC03 |
| Legal Description | GLENWOOD ADD. LOT 7 BLK 2 ORB 3075 P 391 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | GLENWOOD ADD |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 1600 |
809 E 10th Ct, vacant land, is owned by an individual who bought it in October 2025.
Source: Bay County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 720 WESTWOOD BEACH CIR, PANAMA CITY BEACH, FL 32413-3143 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on File |
| Deed Sale | Oct 17, 2025 · Amount on File |
| Prior Sale | Jun 4, 2003 · Amount on File |
| Deed Document Number | 202560675 |
| Deed Book / Page | 4964 / 1298 |
| Prior Transfer Date | Aug 7, 2008 |
| Prior Transfer Doc | 0030750391 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 809 E 10TH CT, PANAMA CITY, FL 32401-3453 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 720 WESTWOOD BEACH CIR, PANAMA CITY BEACH, FL 32413-3143 |
| Document Number | 0049641315 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | 4964/1315 |
| Instrument | 2025060677 |
| Name | CLICK N CLOSE INC |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TX 75001 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2035 |
The 2025 property tax bill for 809 E 10th Ct was $394, down 5.7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $394.00 (-5.74%) | $25,000 (-) Land $25,000 | $25,000 (-) Land $25,000 |
| 2024 | $418.00 (-50.94%) | $25,000 (-5%) Land $25,000 | $25,000 (-5%) Land $25,000 |
| 2023 | $852.00 (+15.29%) | $50,000 (+25%) Land $50,000 | $50,000 (+25%) Land $50,000 |
| 2022 | $739.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 809 E 10th Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 6 (1995–2023) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2023 |
| Claims by Event |
|
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 809 E 10th Ct 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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