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

Bay County property record for 901 E 2nd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,617 sqft · built 1952
Lot Size	0.33 acres (14,374 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Aug 2017)
Tax Bill	$1,314 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22037-000-000`

Property Details

APN / Parcel Number

Primary APN	`22037-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,617 sqft Living Area
1st Floor Area	1,617 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2002
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,374 sqft (0.33 acres)
Lot Dimensions	160 ft deep x 90 ft wide
Garage Area	336 sqft
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	531 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	901 E 2ND PL
City	PANAMA CITY
State	FL
Zip	32401-3837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD. LOT 13 BLK G ORB 3930 P 1910
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	G
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2015
Census Tract	1900

Owner

901 E 2nd Pl is owned and occupied by an individual who bought it in August 2017.

Source: Bay County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	901 E 2ND PL, PANAMA CITY, FL 32401-3837
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
Mar 2, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 4, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Aug 24, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2017 · Amount on File
Deed Sale	Aug 24, 2017 · Amount on File
Prior Sale	Jul 7, 2006 · Amount on File
Deed Document Number	201748447
Deed Book / Page	3930 / 1910
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	901 E 2ND PL, PANAMA CITY, FL 32401-3837
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	901 E 2ND PL, PANAMA CITY, FL 32401-3837

Mortgage

Document Number	0045301625
Date	Mar 2, 2022
Book Page	4530/1625
Instrument	2022014989

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	901 E 2ND PL, PANAMA CITY, FL 32401-3837
Document Number	0041901556
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	901 E 2ND PL PANAMA CITY FL 324013837, PANAMA CITY, FL 32401-3837

Mortgage

Document Number	0041901556
Date	Nov 14, 2019
Book Page	004190/001556
Instrument	98483

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 24, 2017
Property Address	901 E 2ND PL, PANAMA CITY, FL 32401-3837
Document Number	0039301910
Book / Page	003930 / 001910
Instrument Date	Aug 23, 2017
Instrument	48447
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,148.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	901 E 2ND PL PANAMA CITY FL 324013837, PANAMA CITY, FL 32401-3837

Mortgage

Document Number	39301912
Date	Aug 24, 2017
Book Page	003930/001912
Instrument	48448

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 901 E 2nd Pl was $1,314 with a homeowner's exemption, down 7.1% 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	$1,314.00 (-7.07%) Homeowner's exemption	$125,285	$188,916 Land $64,426 Building $124,490
2024	$1,414.00 (-4.97%)
2023	$1,488.00 (+1.78%) Homeowner's exemption	$118,208 (+3%)	$155,106 (+11.58%) Land $55,620 Building $99,486
2022	$1,462.00 Homeowner's exemption	$114,765	$139,006 Land $48,296 Building $90,710

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

Flood

FEMA maps place 901 E 2nd Pl in Zone X, an area of minimal flood risk, though there have been 10 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 901 E 2nd Pl 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 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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