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

Bay County property record for 839 E 25th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 989 sqft · built 1946
Lot Size	0.375 acres (16,335 sqft)
Owner	Individual Name on File
Tax Bill	$340 (2025)
Deeds & Mortgages	Mar 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12916-000-000`

Property Details

APN / Parcel Number

Primary APN	`12916-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	989 sqft Living Area
1st Floor Area	989 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,335 sqft (0.375 acres)
Lot Dimensions	132 ft deep x 124 ft wide
Garage Type	Carport
Carport	Carport
Porch	Unfinished Open Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	839 E 25TH ST
City	PANAMA CITY
State	FL
Zip	32405-5218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	28 3S 14W -58- 104B ST A B DEV CO PLAT BEG 186 S OF NE COR LOT 94 TH S 124 W 132 N 124 E 132 TO POB ORG 4106 P 1466
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST A B DEV CO PLAT
Legal Lot Number	94
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3023
Census Tract	1302

Owner

839 E 25th St is owned and occupied by an individual who acquired it in October 2002.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	839 E 25TH ST, PANAMA CITY, FL 32405-5218
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 28, 2002
Transfer Doc	0022120062
Record Updated	Jun 8, 2026

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 29, 2019
Property Address	839 E 25TH ST, PANAMA CITY, FL 32405-5218
Document Number	0041061466
Book / Page	004106 / 001466
Instrument Date	Mar 29, 2019
Instrument	32854
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	839 E 25TH ST PANAMA CITY FL 324055218, PANAMA CITY, FL 32405-5218

Tax Assessment & Valuation

The 2025 property tax bill for 839 E 25th St was $340 with a homeowner's exemption, down 8.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$340.00 (-8.36%) Homeowner's exemption	$55,826	$76,774 Land $47,616 Building $29,158
2024	$371.00 (+1.09%)
2023	$367.00 (+10.88%) Homeowner's exemption	$52,672 (+4.44%)	$60,584 (+16.01%) Land $35,712 Building $24,872
2022	$331.00 Homeowner's exemption	$50,434	$52,222 Land $30,474 Building $21,748

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

Flood

FEMA maps place 839 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	21 (1998–2018)
Claims Outside the SFHA	6 of 21
Most Recent Claim	Oct 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 839 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 Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 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 118 locations within half a mile, as of December 31, 2025

Provider	Max 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