Bay County property record for 815 E 11th Ct, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 816 sqft · built 1942 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $223 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16499-000-000 |
| Primary APN | 16499-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 816 sqft |
| 1st Floor Area | 816 sqft |
| Year Built | Built 1942 |
|---|---|
| Exterior Material | Other |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 96 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 815 E 11TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3341 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PC04 |
| Legal Description | 4 4S 14W -38- 69A BEG 200' E OF NW COR OF W1/2 OF S1/2 OF N1/2 OF SE1/4 OF SW1/4 OF |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1600 |
The current owner of 815 E 11th Ct acquired it in May 2014.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 738 MCKENZIE AVE, PANAMA CITY, FL 32401-2914 |
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 | May 16, 2014 |
| Deed Sale | May 16, 2014 |
| Prior Sale | Jan 13, 2011 · Amount on File |
| Deed Document Number | 2014026285 |
| Deed Book / Page | 3608 / 1705 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 815 E 11th Ct was $223.
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 | $223.00 | $15,830 Land $15,680 Building $150 | $15,830 Land $15,680 Building $150 |
| 2023 | $387.00 (+8.4%) | $13,380 (+33.81%) Land $13,230 Building $150 | $13,380 (+33.81%) Land $13,230 Building $150 |
| 2022 | $357.00 | $9,999 Land $9,849 Building $150 | $9,999 Land $9,849 Building $150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 815 E 11th Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 | 1 in force |
| Nearby Flood Claims | 1 (1995) |
| Most Recent Claim | Oct 1995 · Hurricane Opal |
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 815 E 11th 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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