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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,266 sqft · built 1952
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Aug 2022)
Tax Bill	$3,690 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22008-000-000`

Property Details

APN / Parcel Number

Primary APN	`22008-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,266 sqft Living Area
1st Floor Area	1,266 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2012
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Driveway	Driveway
Porch	Open Porch
Porch Area	50 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	902 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 13 BLK E ORB 4595 P 389
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	E
Legal Lot Number	13
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 October 9, 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
Mailing Address	902 E 2ND PL, PANAMA CITY, FL 32401-3838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUSTMARK NATIONAL BANK
Aug 4, 2022	Warranty Deed, Transfer · VA Mortgage TRUSTMARK NATIONAL BANK
Apr 3, 2019	Warranty Deed, Transfer H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Prior Sale	Apr 3, 2019 · Amount on Record
Deed Document Number	202257696
Deed Book / Page	4595 / 389
Prior Transfer Date	Dec 22, 2004
Prior Transfer Doc	0025511152
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	902 E 2ND PL, PANAMA CITY, FL 32401-3838
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 E 2ND PL, P C BEACH, FL 32401-3838

Mortgage

Document Number	0045950409
Date	Aug 4, 2022
Book Page	4595/409
Instrument	2022057698

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PEARL, MS 39208

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 4, 2022
Property Address	902 E 2ND PL, PANAMA CITY, FL 32401-3838
Document Number	0045950389
Book / Page	4595 / 389
Map Reference	MB 7 PG 60
Instrument Date	Jul 28, 2022
Instrument	2022057696
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 HOWARD ROAD, PANAMA CITY, FL 32404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6101 HOWARD RD APT 207D, 207D, PANAMA CITY, FL 32404-8863

Mortgage

Document Number	0045950391
Date	Aug 4, 2022
Book Page	4595/391
Instrument	2022057697

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 3, 2019
Property Address	902 E 2ND PL, PANAMA CITY, FL 32401-3838
Document Number	0041081402
Book / Page	004108 / 001402
Instrument Date	Mar 29, 2019
Instrument	34506
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1815 W 15TH ST #10 PANAMA CITY FL 324011700, 10, PANAMA CITY, FL 32401-1700

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	$3,690.00 (-0.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$280,697 (+2.9%)	$318,827 (+1.85%) Land $49,484 Building $269,343
2024	$3,717.00 (+0.22%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$272,786 (+3%)	$313,029 (+18.2%) Land $49,484 Building $263,545
2023	$3,709.00 (+138.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$264,841 (+152.59%) Land $42,720 Building $222,121	$264,841 (+152.59%) Land $42,720 Building $222,121
2022	$1,552.00	$104,851 Land $37,095 Building $67,756	$104,851 Land $37,095 Building $67,756

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

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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