902 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 902 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,834 sqft · built 1952
Lot Size	0.251 acres (10,934 sqft)
Owner	Individual Name on Record
Last Sale	$317,000 (Jan 2022)
Tax Bill	$4,116 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22057-000-000`

Property Details

APN / Parcel Number

Primary APN	`22057-000-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,834 sqft Heated Area
Gross Area	2,586 sqft
1st Floor Area	1,834 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2012
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	10,934 sqft (0.251 acres)
Lot Dimensions	146 ft deep x 75 ft wide
Driveway	Driveway
Driveway Area	616 sqft
Porch	Porch
Porch Area	306 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	902 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD. LOT 33 BLK G ORB 4514 P 302
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	G
Legal Lot Number	33
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2015
Census Tract	1900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	902 E 2ND CT, PANAMA CITY, FL 32401-3830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
Dec 10, 2019	Warranty Deed, Transfer · VA Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2022 · Amount on Record
Deed Sale	Jan 21, 2022 · Amount on Record
Prior Sale	Dec 10, 2019 · Amount on Record
Deed Document Number	2022004876
Deed Book / Page	4514 / 302
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 21, 2022
Property Address	902 E 2ND CT, PANAMA CITY, FL 32401-3830
Document Number	0045140302
Book / Page	4514 / 302
Map Reference	MB 7 PG 60
Instrument Date	Dec 20, 2021
Instrument	2022004876
Transaction Type	Transfer
Record Updated	Mar 6, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,219.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1448 JOHNSON HILL RD, MANSFIELD, PA 16933-9076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 E 2ND CT, PANAMA CITY, FL 32401-3830

Mortgage

Document Number	0004514304
Date	Jan 21, 2022
Instrument	4514/304

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 10, 2019
Property Address	902 E 2ND CT, PANAMA CITY, FL 32401-3830
Document Number	0041992059
Book / Page	4199 / 2059
Map Reference	MB 7 PG 60
Instrument Date	Dec 6, 2019
Instrument	2019105006
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	202 KNOLLHAVEN TRL, 202, O FALLON, IL 62269-7198

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 E 2ND CT, PANAMA CITY, FL 32401-3830

Mortgage

Document Number	0041992061
Date	Dec 10, 2019
Instrument	4199/2061

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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	$4,116.00 (-5.9%) Homeowner's exemption	$302,640 (+5.99%)	$341,437 (+19.57%) Land $51,604 Building $289,833
2023	$4,374.00 (-1.95%) Homeowner's exemption	$285,544 (+8.06%) Land $44,550 Building $240,994	$285,544 (+8.06%) Land $44,550 Building $240,994
2022	$4,461.00	$264,240 Land $38,684 Building $225,556	$264,240 Land $38,684 Building $225,556

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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