809 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 809 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Vacant Land
Details	3 bd · 1 ba · 972 sqft · built 1952
Lot Size	0.403 acres (17,554 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Mar 2020)
Tax Bill	$1,128 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22036-000-000`

Property Details

APN / Parcel Number

Primary APN	`22036-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	972 sqft Living Area
Gross Area	1,368 sqft
1st Floor Area	972 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,554 sqft (0.403 acres)
Lot Dimensions	185 ft deep x 95 ft wide
Garage Area	288 sqft
Driveway	Driveway
Porch	Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	809 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3835
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD. LOT 12 BLK G ORB 4234 P 1152
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	G
Legal Lot Number	12
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 October 9, 2026

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

Owner of Record	Company Name on Record
Mailing Address	455 HARRISON AVE, C, PANAMA CITY, FL 32401-2755
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 10, 2021	Deed of Trust, Mortgage · Line of Credit MIDSOUTH BANK
Mar 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2020 · Amount on Record
Deed Sale	Mar 19, 2020 · Amount on Record
Deed Document Number	202020546
Deed Book / Page	4234 / 1152
Last Transfer Date	Aug 30, 2026
Transfer Doc	0000054790
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 2, 2026
Property Address	809 E 2ND PL, PANAMA CITY, FL 32401-3835
Document Number	0000054790
Book / Page	5075 / 595
Instrument Date	Aug 30, 2026
Instrument	202654790
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	455 HARRISON AVE, PANAMA CITY, FL 32401-2754

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	809 E 2ND PL, PANAMA CITY, FL 32401-3835
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1418 W 23RD ST, PANAMA CITY, FL 32405-2904

Mortgage

Document Number	0044590648
Date	Sep 10, 2021
Book Page	4459/648
Instrument	2021069786

Lender

Name	MIDSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 19, 2020
Property Address	809 E 2ND PL, PANAMA CITY, FL 32401-3835
Document Number	0042341152
Book / Page	004234 / 001152
Instrument Date	Mar 11, 2020
Instrument	20546
Transaction Type	Transfer
Record Updated	Apr 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$175.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	475 HARRISON AVE PANAMA CITY FL 324012745, PANAMA CITY, FL 32401-2745

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$1,128.00 (+6.42%)	$69,829 (+15.57%)	$69,986 (+15.83%) Land $69,986
2024	$1,060.00 (-6.44%)
2023	$1,133.00 (+14.21%)	$60,420 (+15.16%) Land $60,420	$60,420 (+15.16%) Land $60,420
2022	$992.00	$52,464 Land $52,464	$52,464 Land $52,464

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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