Bay County property record for 816 E 12th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 880 sqft · built 1949 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Owner Name on File |
| Last Sale | $26,400 (Jan 2010) |
| Tax Bill | $607 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16826-000-000 |
| Primary APN | 16826-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 880 sqft Heated Area |
| 1st Floor Area | 880 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1949 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 104 ft deep x 42 ft wide |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 816 E 12TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | DIXIE HEIGHTS LOT 10 BLK 2 ORB 3215 P 2186 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | DIXIE HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 1600 |
The current owner of 816 E 12th Ct bought it in January 2010.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2310 S HIGHWAY 77 STE 110STE110, 110STE110, LYNN HAVEN, FL 32444-4616 |
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 | Jan 28, 2010 · Amount on File |
| Deed Sale | Jan 28, 2010 · Amount on File |
| Prior Sale | Sep 14, 2006 · Amount on File |
| Deed Document Number | 2010004712 |
| Deed Book / Page | 3215 / 2186 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 816 E 12TH CT, PANAMA CITY, FL 32401 |
| Document Number | 0041422053 |
| Instrument Date | Jul 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8634 RESOTA BEACH RD PANAMA CITY FL 324092158, PANAMA CITY, FL 32409-2158 |
| Document Number | 0041422053 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 004142/002053 |
| Instrument | 62671 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2049 |
The 2025 property tax bill for 816 E 12th Ct was $607.
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 | $607.00 | $38,752 Land $11,693 Building $27,059 | $38,752 Land $11,693 Building $27,059 |
| 2023 | $747.00 (+11.16%) | $33,398 (+16.03%) Land $9,865 Building $23,533 | $33,398 (+16.03%) Land $9,865 Building $23,533 |
| 2022 | $672.00 | $28,785 Land $7,344 Building $21,441 | $28,785 Land $7,344 Building $21,441 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 816 E 12th Ct in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| 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.
Wildfire risk around 816 E 12th Ct is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 172 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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