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828 E 12th St, Panama City, FL 32401 Property Records

Bay County property record for 828 E 12th St, Panama City, FL 32401

Property Summary

Property TypeResidential Vacant Land
Details2 bd · 0.5 ba · 390 sqft · built 1940
Lot Size0.289 acres (12,589 sqft)
OwnerIndividual Name on File
Last Sale$3,189 (Feb 2014)
Tax Bill$470 (2025)
Deeds & MortgagesMay 2021 Transfer
Flood ZoneZone X (minimal risk)
APN16845-000-000

Property Details

APN / Parcel Number

Primary APN16845-000-000

Interior

Bedrooms2 Beds
Full Baths0.5 Baths
Stories1 Story
Building Area390 sqft

Exterior

Year BuiltBuilt 1940
Lot Area12,589 sqft (0.289 acres)
Lot Dimensions105 ft deep x 120 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address828 E 12TH ST
CityPANAMA CITY
StateFL
Zip32401-3346
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodePC04
Legal DescriptionDIXIE HEIGHTS LOTS 11,12 13 BLK 3 ORB 4402 P 1231
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionDIXIE HEIGHTS
Legal Block3
Legal Lot Number11,12 12
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3009
Census Tract1600

Owner

828 E 12th St, residential vacant land, is owned by an individual who acquired it in May 2021.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Mailing Address1301 CALDWELL DR, PANAMA CITY, FL 32401-2840
Owner TypeIndividual

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 NamesName on Deed
Last SaleFeb 7, 2014 · Amount on File
Deed SaleFeb 7, 2014 · Amount on File
Prior SaleFeb 7, 2014 · Amount on File
Deed Document Number0035831072
Deed Book / Page003583 / 001072
Last Transfer DateMay 6, 2021
Transfer Doc0044021231
Record UpdatedJun 8, 2026

May 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateMay 6, 2021
Property Address828 E 12TH ST, PANAMA CITY, FL 32401-3346
Document Number0044021231
Book / Page4402 / 1231
Map ReferenceMB 66 PG 577
Instrument DateMay 4, 2021
Instrument2021034285
Transaction TypeTransfer
Record UpdatedDec 23, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3003 S HIGHWAY 77B, 3003, LYNN HAVEN, FL 32444

Transferred To (Grantee/Buyer)

NameVerified Name
Address1301 CALDWELL DR, PANAMA CITY BEACH, FL 32401-2840

Tax Assessment & Valuation

The 2025 property tax bill for 828 E 12th St was $470, up 3.1% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$470.00 (+3.07%)$33,408 (+6.67%) Land $33,408$33,408 (+6.67%) Land $33,408
2024$456.00 (-23.23%)$31,320 (+11.11%) Land $31,320$31,320 (+11.11%) Land $31,320
2023$594.00 (+14.01%)$28,188 (+34.33%) Land $28,188$28,188 (+34.33%) Land $28,188
2022$521.00$20,984 Land $20,984$20,984 Land $20,984

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

Flood

FEMA maps place 828 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1995)
Most Recent ClaimOct 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 828 E 12th St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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