Bay County property record for 904 E 16th St, Panama City, FL 32405
| Property Type | Residential Vacant Land |
|---|---|
| Details | 1 ba |
| Lot Size | 0.839 acres (36,590 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $369 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 14503-000-000 |
| Primary APN | 14503-000-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Lot Area | 36,590 sqft (0.839 acres) |
|---|---|
| Lot Dimensions | 305 ft deep x 120 ft wide |
| Street Address | 16TH E AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PC11 |
| Legal Description | KEITH'S 4TH ADD LOT 1 BLK 4 ORB 4869 P 633 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 33 |
| Legal Subdivision | KEITH'S |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1600 |
904 E 16th St, residential vacant land, is owned by two individuals who acquired it in December 2024.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1107 WILMONT AVE, PANAMA CITY, FL 32401-1441 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2024 |
| Deed Sale | Dec 18, 2024 |
| Prior Sale | Sep 27, 2007 · Amount on File |
| Deed Document Number | 0004869633 |
| Prior Transfer Date | Dec 30, 2015 |
| Prior Transfer Doc | 2015070898 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 904 E 16th St was $369.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $369.00 | $26,266 Land $26,266 | $26,266 Land $26,266 |
| 2023 | $509.00 (+12.11%) | $22,161 (+34.33%) Land $22,161 | $22,161 (+34.33%) Land $22,161 |
| 2022 | $454.00 | $16,498 Land $16,498 | $16,498 Land $16,498 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 904 E 16th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 6 (1984–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| Claims by Event |
|
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 risk around 904 E 16th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 80 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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