825 E 11th Ct, Panama City, FL 32401 Property Records

Bay County property record for 825 E 11th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 648 sqft · built 1900
Lot Size	0.189 acres (8,232 sqft)
Owner	2 Individual Names on File
Last Sale	$113,000 (Jul 2026)
Tax Bill	$1,020 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16495-000-000`

Property Details

APN / Parcel Number

Primary APN	`16495-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	648 sqft Living Area
1st Floor Area	648 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1950
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,232 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Porch	Unfinished Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	825 E 11TH CT
City	PANAMA CITY
State	FL
Zip	32401-3341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	4 4S 14W -34.1- 69A BEG 165 S & 250 E OF NW COR OF SE1/4 OF SW1/4 OF NE1/4 TH E 50 S 140 W 50 N 140 TO BEG ORB 709 P 762 ORB 2140 P 1135
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

Owner

825 E 11th Ct is owned and occupied by two individuals who bought it in July 2026.

Source: Bay County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	825 E 11TH CT, PANAMA CITY, FL 32401-3341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on File
Deed Sale	Jul 28, 2026 · Amount on File
Prior Sale	May 6, 2002
Deed Document Number	202645715
Deed Book / Page	5061 / 357
Prior Transfer Date	Mar 1, 2025
Prior Transfer Doc	0048920756
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 28, 2026
Property Address	825 E 11TH CT, PANAMA CITY, FL 32401-3341
Document Number	0000045715
Book / Page	5061 / 357
Instrument Date	Jun 6, 2026
Instrument	202645715
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	SECURITY LAND TITLE INC, SURETY LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79,891.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 E 11TH CT, PANAMA CITY, FL 32401-3341

Mortgage

Document Number	0000045716,
Date	Jul 28, 2026
Instrument	202645716

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 825 E 11th Ct was $1,020, up 6.1% 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	$1,020.00 (+6.14%)	$45,177	$46,446 Land $16,640 Building $29,806
2024	$961.00 (+13.73%)
2023	$845.00 (+12.22%)	$39,870 (+17.47%) Land $14,040 Building $25,830	$39,870 (+17.47%) Land $14,040 Building $25,830
2022	$753.00	$33,942 Land $10,452 Building $23,490	$33,942 Land $10,452 Building $23,490

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 825 E 11th 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

The area around 825 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.

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 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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