Bay County property record for 823 E 12th St, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 3 ba |
| Lot Size | 0.094 acres (4,138 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100 (Dec 2004) |
| Tax Bill | $159 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16832-000-000 |
| Primary APN | 16832-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Lot Area | 4,138 sqft (0.094 acres) |
|---|---|
| Lot Dimensions | 104 ft deep x 40 ft wide |
| Patio Area | 342 sqft |
| Street Address | 823 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PC04 |
| Legal Description | DIXIE HEIGHTS LOT 23 BLK 2 ORB 459 P 738 ORB 2538 P 137 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | DIXIE HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 23 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 1600 |
823 E 12th St, residential vacant land, is owned by two individuals who bought it in December 2004.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 829 E 12TH ST, PANAMA CITY, FL 32401-3345 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2004 · Amount on File |
| Deed Sale | Dec 13, 2004 · Amount on File |
| Deed Document Number | 2004-093907 |
| Deed Book / Page | 2538 / 0137 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 823 E 12th St was $159.
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 | $159.00 | $11,262 Land $11,136 Building $126 | $11,262 Land $11,136 Building $126 |
| 2023 | $332.00 (+5.73%) | $9,522 (+33.74%) Land $9,396 Building $126 | $9,522 (+33.74%) Land $9,396 Building $126 |
| 2022 | $314.00 | $7,120 Land $6,994 Building $126 | $7,120 Land $6,994 Building $126 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 823 E 12th St 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 823 E 12th St 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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