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836 E 25th St, Panama City, FL 32405 Property Records

Bay County property record for 836 E 25th St, Panama City, FL 32405

Property Summary

Property TypeResidential Vacant Land
Details3 bd · 2 ba · 1,104 sqft · built 1982
Lot Size0.909 acres (39,596 sqft)
Owner2 Individual Names on File
Tax Bill$867 (2025)
Deeds & MortgagesJul 2026 Sale
Jul 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN12945-000-000

Property Details

APN / Parcel Number

Primary APN12945-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,104 sqft Living Area
Gross Area1,518 sqft
1st Floor Area1,104 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1982
Architectural StyleMobile Home
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area39,596 sqft (0.909 acres)
Lot Dimensions330 ft deep x 120 ft wide
Garage TypeDetached
Garage Area240 sqft
PorchUnfinished Open Porch
Porch Area414 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address836 E 25TH ST
CityPANAMA CITY
StateFL
Zip32405-5219
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeR1
Legal Description28 3S 14W -80- MAP 104B ST A B DEV CO PLAT THE E 1 ACRE OF LOT 99 ORB 2278 P 216
Legal Range14W
Legal Township03S
Legal Section28
Legal SubdivisionST A B DEV CO PLAT
Legal Lot Number99
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3049
Census Tract1302

Owner

836 E 25th St, residential vacant land, is owned by two individuals who acquired it in July 2026.

Source: Bay County records, as of August 4, 2026

Owner of Record2 Individual Names on File
Mailing Address3714 BAY TREE RD, LYNN HAVEN, FL 32444-5664
Owner TypeIndividual
VestingLife Estate

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

DateDocument
Jul 13, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Jul 12, 2019Deed of Trust, Mortgage · SBA Mortgage
UNITED STATES SMALL BUSINESS ADMIN

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJul 13, 2026
Transfer Doc0000041953
Record UpdatedSep 20, 2026

July 2026: Deed, Transfer

Document TypeDeed
JurisdictionBAY FL
Recording DateJul 13, 2026
Property Address836 E 25TH ST, PANAMA CITY, FL 32405-5219
Document Number0000041953
Book / Page5055 / 14
Instrument DateJul 13, 2026
Instrument202641953
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address3714 BAY TREE RD, LYNN HAVEN, FL 32444-5664

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address836 E 25TH ST, PANAMA CITY, FL 32405-5219
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0041431861
DateJul 12, 2019
Book Page4143/1861
Instrument2019063448
Lender
NameUNITED STATES SMALL BUSINESS ADMIN
TypeGovernment Agency
AddressBIRMINGHAM, AL 35203
Agreement
TypeSBA Mortgage
AmountAmount on Record
Term354 Months
DueJan 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 836 E 25th St was $867.

Source: Bay County assessment roll, as of January 5, 2026

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$867.00$50,965$58,163 Land $55,200 Building $2,963
2023$887.00 (+12.99%)$44,363 (+15.86%) Land $41,400 Building $2,963$44,363 (+15.86%) Land $41,400 Building $2,963
2022$785.00$38,291 Land $35,328 Building $2,963$38,291 Land $35,328 Building $2,963

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

Flood

FEMA maps place 836 E 25th 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
Flood Insurance CostPremium on File
median of 46 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies46 in force
Nearby Flood Claims21 (1998–2018)
Claims Outside the SFHA6 of 21
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 11 claims
  • Severe Storms And Flooding, Jul 2013 · 2 claims

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 836 E 25th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 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 118 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless		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

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