900 E 2nd Pl, Panama City, FL 32401 Property Records

Bay County property record for 900 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,460 sqft · built 1952
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Company Names on Record
Last Sale	$222,000 (May 2019)
Tax Bill	$3,688 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22009-000-000`

Property Details

APN / Parcel Number

Primary APN	`22009-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,460 sqft Living Area
1st Floor Area	1,460 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	6,969 sqft (0.16 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Driveway	Driveway

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	162 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	900 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD. LOT 14 BLK E ORB 4118 P 459
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	E
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2018
Census Tract	1900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	900 E 2ND PL, PANAMA CITY, FL 32401-3838
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
May 1, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Aug 1, 2018	Intrafamily Transfer, Transfer · Commercial Mortgage CAPITAL CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2019 · Amount on Record
Deed Sale	May 1, 2019 · Amount on Record
Prior Sale	Jan 31, 2014 · Amount on Record
Deed Document Number	201942864
Deed Book / Page	4118 / 459
Prior Transfer Date	Jul 27, 2010
Prior Transfer Doc	0040340153
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	900 E 2ND PL, PANAMA CITY, FL 32401-3838
Document Number	0042881350
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 2ND PL PANAMA CITY FL 324013838, PANAMA CITY, FL 32401-3838

Mortgage

Document Number	0042881350
Date	Aug 19, 2020
Book Page	004288/001350
Instrument	54467

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 1, 2019
Property Address	900 E 2ND PL, PANAMA CITY, FL 32401-3838
Document Number	0041180459
Book / Page	004118 / 000459
Instrument Date	Apr 25, 2019
Instrument	42864
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 2ND PL PANAMA CITY FL 324013838, PANAMA CITY, FL 32401-3838

Mortgage

Document Number	41180461
Date	May 1, 2019
Book Page	004118/000461
Instrument	42865

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2049

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Aug 1, 2018
Property Address	900 E 2ND PL, PANAMA CITY, FL 32401-3838
Document Number	0040340153
Book / Page	4034 / 0153
Map Reference	MB7 PG60
Instrument Date	Jul 27, 2010
Instrument	2018046076
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 E 2ND PL, 900, PANAMA CITY, FL 32401-3838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 2ND PL, PANAMA CITY, FL 32401-3838

Mortgage

Document Number	2018046077
Date	Aug 1, 2018
Instrument	2018046077

Lender

Name	CAPITAL CITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,688.00 (-2.28%)	$233,511 (+19.61%) Land $41,352 Building $192,159	$233,511 (+19.61%) Land $41,352 Building $192,159
2024	$3,774.00 (+6.37%)
2023	$3,548.00 (+14.23%)	$195,221 (+9.86%) Land $35,700 Building $159,521	$195,221 (+9.86%) Land $35,700 Building $159,521
2022	$3,106.00	$177,696 Land $30,999 Building $146,697	$177,696 Land $30,999 Building $146,697

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

Flood

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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

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	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 437 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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