Bay County property record for 838 E 12th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1972 |
| Lot Size | 0.237 acres (10,367 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $121 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16844-010-000 |
| Primary APN | 16844-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,056 sqft Heated Area |
| Gross Area | 1,408 sqft |
| 1st Floor Area | 1,056 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,367 sqft (0.237 acres) |
| Lot Dimensions | 104 ft deep x 100 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 64 sqft |
| Patio Area | 100 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 838 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 14,15 & W 20' LOT 16 ORB 380 P 713 BLK 3 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | DIXIE HEIGHTS |
| Legal Block | 3 |
| Legal Lot Number | 14-16 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1600 |
838 E 12th St is owned and occupied by two individuals.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 838 E 12TH ST, PANAMA CITY, FL 32401-3346 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 838 E 12TH ST, PANAMA CITY, FL 32401-3346 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039010679 |
|---|---|
| Date | May 17, 2017 |
| Book Page | 3901/0679 |
| Instrument | 2017027970 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 9, 2032 |
The 2025 property tax bill for 838 E 12th St was $121 with exemptions applied.
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 | $121.00 Homeowner's exemption Widower's exemption Additional exemption filed | $52,681 | $96,542 Land $27,840 Building $68,702 |
| 2023 | $313.00 (-25.48%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed | $49,705 (+3%) | $82,879 (+15.99%) Land $23,490 Building $59,389 |
| 2022 | $420.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed | $48,257 | $71,453 Land $17,487 Building $53,966 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 838 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 838 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 Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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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