900 E 10th St, Panama City, FL 32401 Property Records

Bay County property record for 900 E 10th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1939
Lot Size	0.128 acres (5,576 sqft)
Owner	2 Individual Names on File
Tax Bill	$236 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17089-000-000`

Property Details

APN / Parcel Number

Primary APN	`17089-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Heated Area
Gross Area	1,188 sqft
1st Floor Area	1,080 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1939
Exterior Material	Stucco
Roof Material	Metal
Lot Area	5,576 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Porch	Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	900 E 10TH ST
City	PANAMA CITY
State	FL
Zip	32401-3448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	GLENWOOD ADD. LOT 9 BLK 7 ORB 1653 P 1661 ORB 4085 P 1717
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	GLENWOOD
Legal Block	7
Legal Lot Number	9
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4023
Census Tract	1600

Owner

900 E 10th St is owned and occupied by two individuals who acquired it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	900 E 10TH ST, PANAMA CITY, FL 32401-3448
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

Date	Document
Dec 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 27, 2019	Deed of Trust, Mortgage US SMALL BUSN ADMN
Feb 1, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 1, 2019
Transfer Doc	0040851717
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	900 E 10TH ST, PANAMA CITY, FL 32401-3448
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 10TH ST, PANAMA CITY, FL 32401-3448

Mortgage

Document Number	0046370971
Date	Dec 6, 2022
Book Page	4637/971
Instrument	2022086820

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	900 E 10TH ST, PANAMA CITY, FL 32401-3448
Document Number	0041111786
Instrument Date	Mar 27, 2019
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	900 E 10TH ST PANAMA CITY FL 324013448, PANAMA CITY, FL 32401-3448

Mortgage

Document Number	0041111786
Date	Apr 12, 2019
Book Page	004111/001786
Instrument	37297

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2049

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 1, 2019
Property Address	900 E 10TH ST, PANAMA CITY, FL 32401-3448
Document Number	0040851717
Book / Page	004085 / 001717
Instrument Date	Jan 31, 2019
Instrument	12691
Transaction Type	Transfer
Record Updated	Feb 13, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 900 E 10th St was $236 with a homeowner's exemption, down 35.9% from the year before.

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

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	$236.00 (-35.87%) Homeowner's exemption	$39,989 (+2.9%)	$52,277 (+6.05%) Land $12,544 Building $39,733
2024	$368.00 (-0.81%) Homeowner's exemption	$38,862 (+3%)	$49,296 (+9.27%) Land $11,760 Building $37,536
2023	$371.00 (-14.12%) Homeowner's exemption	$37,730 (+3%)	$45,116 (+14.72%) Land $10,584 Building $34,532
2022	$432.00 Homeowner's exemption	$36,631	$39,326 Land $7,879 Building $31,447

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

Flood

FEMA maps place 900 E 10th St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1995–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2023
Claims by Event	Hurricane Opal, Oct 1995 · 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 900 E 10th St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 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.

Nearby Properties on E 10th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures