818 E 12th Ct, Panama City, FL 32401 Property Records

Bay County property record for 818 E 12th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 939 sqft · built 1949
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$42,000 (Apr 2023)
Tax Bill	$629 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Apr 2023 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16827-000-000`

Property Details

APN / Parcel Number

Primary APN	`16827-000-000`
Alternative APN	`5190600`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	939 sqft Living Area
1st Floor Area	939 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	104 ft deep x 42 ft wide
Porch	Open Porch
Porch Area	85 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	818 E 12TH CT
City	PANAMA CITY
State	FL
Zip	32401-3350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	DIXIE HEIGHTS LOT 11 BLK 2 ORB 4682 P 257
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	DIXIE HEIGHTS
Legal Block	2
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3010
Census Tract	1600

Owner

818 E 12th Ct is owned by an individual who bought it in April 2023.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	4097 STACY LN, SNELLVILLE, GA 30039-6199
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU
Apr 25, 2023	Warranty Deed, Transfer · Line of Credit INNOVATIONS FINANCIAL CU
Dec 5, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2023 · Amount on File
Deed Sale	Apr 25, 2023 · Amount on File
Deed Document Number	202325361
Deed Book / Page	4682 / 257
Prior Transfer Date	Apr 4, 2014
Prior Transfer Doc	0041982123
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	818 E 12TH CT, PANAMA CITY, FL 32401-3350
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4097 STACY LN, SNELLVILLE, GA 30039-6199

Mortgage

Document Number	0047472267
Date	Nov 8, 2023
Book Page	4747/2267
Instrument	2023070728

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 25, 2023
Property Address	818 E 12TH CT, PANAMA CITY, FL 32401-3350
Document Number	0046820257
Book / Page	4682 / 257
Instrument Date	Apr 24, 2023
Instrument	2023025361
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	DEFENDER T&E AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$294.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1520 WISCONSIN AVE, LYNN HAVEN, FL 32444-3943

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4097 STACY LN, SNELLVILLE, GA 30039-6199

Mortgage

Document Number	0046820259
Date	Apr 25, 2023
Book Page	4682/259
Instrument	2023025362

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 24, 2038

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Dec 5, 2019
Property Address	818 E 12TH CT, PANAMA CITY, FL 32401-3350
Document Number	0041980045
Book / Page	004198 / 000045
Instrument Date	Nov 30, 2019
Instrument	103629
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 WISCONSIN AVE LYNN HAVEN FL 324443943, LYNN HAVEN, FL 32444-3943

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Dec 9, 2019
Property Address	818 E 12TH CT, PANAMA CITY, FL 32401-3350
Document Number	0041982123
Book / Page	004198 / 002123
Instrument Date	Apr 4, 2014
Instrument	104264
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	818 E 12TH CT DORAVILLE GA 30340, DORAVILLE, GA 30340

Tax Assessment & Valuation

The 2025 property tax bill for 818 E 12th Ct was $629, down 29.6% from the year before.

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	$629.00 (-29.64%)	$39,856 Land $11,693 Building $28,163	$39,856 Land $11,693 Building $28,163
2024	$894.00 (-10.87%)
2023	$1,003.00 (+12.19%)	$48,040 (+13.95%) Land $9,865 Building $38,175	$48,040 (+13.95%) Land $9,865 Building $38,175
2022	$894.00	$42,158 Land $7,344 Building $34,814	$42,158 Land $7,344 Building $34,814

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 818 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

Wildfire risk around 818 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.

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 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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