900 E 14th St, Panama City, FL 32401 Property Records

Bay County property record for 900 E 14th St, Panama City, FL 32401

Property Summary

Property Type	Vacant Land
Lot Size	0.23 acres (10,018 sqft)
Owner	Company Name on File
Last Sale	$30,000 (Mar 2025)
Tax Bill	$128 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Oct 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16809-000-000`

Property Details

APN / Parcel Number

Primary APN	`16809-000-000`

Exterior

Lot Area	10,018 sqft (0.23 acres)
Lot Dimensions	197 ft deep x 50 ft wide

Location & Zoning

Street Address	900 E 14TH ST
City	PANAMA CITY
State	FL
Zip	32401-3316
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	PC04
Legal Description	4 4S 14W SE1/4 OF NW1/4 OF NE1/4 LOT 13 ORB 640 P 962
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3009
Census Tract	1600

Owner

900 E 14th St, vacant land, is owned by a company that acquired it in October 2025.

Source: Bay County records, as of April 24, 2026

Owner of Record	Company Name on File
Mailing Address	316 CORAL GABLES ST, PANAMA CITY BEACH, FL 32407-3277
Owner Type	Company
Vesting	Limited Liability Partnership

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
Apr 10, 2026	Deed of Trust, Mortgage · Construction Mortgage LIMA ONE CAPITAL
Oct 30, 2025	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Oct 30, 2025	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Mar 10, 2025	Personal Representative Deed, Transfer DIAMOND TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2025 · Amount on File
Deed Sale	Mar 10, 2025 · Amount on File
Deed Document Number	202512819
Deed Book / Page	4891 / 1855
Last Transfer Date	Oct 24, 2025
Transfer Doc	0049680518
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Apr 10, 2026
Property Address	900 E 14TH ST, PANAMA CITY, FL 32401-3316
Document Number	0000021461
Book / Page	5022 / 1732
Instrument Date	Mar 18, 2026
Instrument	202621461
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	316 CORAL GABLES ST, PANAMA CITY BEACH, FL 32407-3277

Mortgage

Document Number	0000021461,
Date	Apr 10, 2026
Book Page	5022/1732
Instrument	202621461

Lender

Name	LIMA ONE CAPITAL

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	19 Months
Due	Nov 1, 2027

Interest

Rate	6.01%
Max Rate	-1%

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Oct 30, 2025
Property Address	900 E 14TH ST, PANAMA CITY, FL 32401-3316
Document Number	0049680518
Book / Page	4968 / 518
Instrument Date	Oct 29, 2025
Instrument	2025063135
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 CORAL GABLES ST, PANAMA CITY BEACH, FL 32407-3277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 CORAL GABLES ST, PANAMA CITY BEACH, FL 32407-3277

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Oct 30, 2025
Property Address	900 E 14TH ST, PANAMA CITY, FL 32401-3316
Document Number	0049680486
Book / Page	4968 / 486
Instrument Date	Oct 29, 2025
Instrument	2025063126
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 CORAL GABLES ST, PANAMA CITY BEACH, FL 32407-3277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 CORAL GABLES ST, PANAMA CITY BEACH, FL 32407-3277

March 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BAY FL
Recording Date	Mar 10, 2025
Property Address	900 E 14TH ST, PANAMA CITY, FL 32401-3316
Document Number	0048911855
Book / Page	4891 / 1855
Instrument Date	Mar 7, 2025
Instrument	2025012819
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 TURNBERRY DR, NEW ORLEANS, LA 70128-3629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 CORAL GABLES ST, PANAMA CITY BEACH, FL 32407-3277
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 900 E 14th St was $128, down 50.8% from the year before.

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

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	$128.00 (-50.77%)	$7,625 (-55.41%)	$9,120 (-46.67%) Land $9,120
2024	$260.00 (-37.2%)	$17,100 (+11.11%) Land $17,100	$17,100 (+11.11%) Land $17,100
2023	$414.00 (+9.52%)	$15,390 (+34.33%) Land $15,390	$15,390 (+34.33%) Land $15,390
2022	$378.00	$11,457 Land $11,457	$11,457 Land $11,457

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 900 E 14th 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

Wildfire risk around 900 E 14th St is low, with less than 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 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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