Bay County property record for 824 E 12th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,962 sqft · built 1965 |
| Lot Size | 0.191 acres (8,319 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,969 (2025) |
| Deeds & Mortgages | Mar 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 16843-000-000 |
| Primary APN | 16843-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,962 sqft Living Area |
| 1st Floor Area | 1,962 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,319 sqft (0.191 acres) |
| Lot Dimensions | 104 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 1,824 sqft |
| Porch | Open Porch |
| Porch Area | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 824 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | DIXIE HEIGHTS LOTS 9 & 10 BLK 3 ORB 4544 P 1918 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | DIXIE HEIGHTS |
| Legal Block | 3 |
| Legal Lot Number | 9,10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1600 |
824 E 12th St is owned by an individual who acquired it in November 2021.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 918 E 17TH ST, PANAMA CITY, FL 32405-6142 |
| 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 | Name on Deed |
|---|---|
| Last Transfer Date | Nov 23, 2021 |
| Transfer Doc | 0045441918 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 31, 2022 |
| Property Address | 824 E 12TH ST, PANAMA CITY, FL 32401-3346 |
| Document Number | 0045441918 |
| Book / Page | 4544 / 1918 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 2022024184 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 812 E 10TH ST, 812, PANAMA CITY, FL 32401-3446 |
| Name | Verified Name |
|---|---|
| Address | 918 E 17TH ST, PANAMA CITY, FL 32405-6142 |
The 2025 property tax bill for 824 E 12th St was $1,969, down 6.8% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,969.00 (-6.77%) | $115,398 (-14.36%) | $142,980 (+6.11%) Land $22,272 Building $120,708 |
| 2024 | $2,112.00 (+5.34%) | $134,752 (+9.04%) Land $20,880 Building $113,872 | $134,752 (+9.04%) Land $20,880 Building $113,872 |
| 2023 | $2,005.00 (+13.47%) | $123,576 (+29.54%) Land $18,792 Building $104,784 | $123,576 (+29.54%) Land $18,792 Building $104,784 |
| 2022 | $1,767.00 | $95,394 Land $13,989 Building $81,405 | $95,394 Land $13,989 Building $81,405 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 824 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.
The area around 824 E 12th St 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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