Bay County property record for 809 E 10th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,242 sqft · built 1945 |
| Lot Size | 0.257 acres (11,195 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $1,103 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17062-000-000 |
| Primary APN | 17062-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,242 sqft Heated Area |
| Gross Area | 1,356 sqft |
| 1st Floor Area | 1,242 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,195 sqft (0.257 acres) |
| Lot Dimensions | 140 ft deep x 80 ft wide |
| Porch | Porch |
| Porch Area | 114 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 809 E 10TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | GLENWOOD ADD LOTS 15,16 ORB 657 P 334 BLK 5 ORB 3511 P 2016 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | GLENWOOD ADD |
| Legal Block | 5 |
| Legal Lot Number | 15,16 16 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 1600 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 718 MICHAEL DR, PANAMA CITY, FL 32404-8329 |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 17, 2013 |
| Transfer Doc | 0035112016 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 809 E 10TH ST, PANAMA CITY, FL 32401-3445 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0046080284 |
|---|---|
| Date | Sep 8, 2022 |
| Book Page | 4608/284 |
| Instrument | 2022066799 |
| Name | CITY OF PANAMA CITY |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|
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 | $1,103.00 (-5.16%) | $74,787 (+25.85%) Land $25,088 Building $49,699 | $74,787 (+25.85%) Land $25,088 Building $49,699 |
| 2023 | $1,163.00 (+13.91%) | $59,425 (+17.36%) Land $21,168 Building $38,257 | $59,425 (+17.36%) Land $21,168 Building $38,257 |
| 2022 | $1,021.00 | $50,635 Land $15,758 Building $34,877 | $50,635 Land $15,758 Building $34,877 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
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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