Bay County property record for 812 E 17th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,598 sqft · built 1949 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $167 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14492-000-000 |
| Primary APN | 14492-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,598 sqft Heated Area |
| Gross Area | 2,658 sqft |
| 1st Floor Area | 1,598 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 4,966 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 712 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 812 E 17TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC07 |
| Legal Description | KEITH'S 4TH ADD BEG 160' E OF NW COR LOT 10 TH S 100' E 50' N 100' W 50' |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 33 |
| Legal Subdivision | KEITH'S |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 1600 |
The current owner of 812 E 17th St acquired it in December 2004.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 812 E 17TH ST, PANAMA CITY, FL 32405-6109 |
| Occupancy | Owner Occupied |
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 Transfer Date | Dec 29, 2004 |
| Transfer Doc | 0025441847 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 812 E 17th St was $167 with exemptions applied.
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 | $167.00 Homeowner's exemption Additional exemption filed | $56,328 | $159,432 Land $13,600 Building $145,832 |
| 2023 | $461.00 (+21.64%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $53,147 (+3%) | $139,183 (+11.1%) Land $11,475 Building $127,708 |
| 2022 | $379.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $51,599 | $125,273 Land $8,542 Building $116,731 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 812 E 17th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 6 (1984–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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.
Wildfire risk around 812 E 17th St is low, with less than a 0.01% annual chance of 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.
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 80 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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