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

Bay County property record for 904 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,100 sqft · built 1952
Lot Size	0.232 acres (10,105 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Dec 2021)
Tax Bill	$6,731 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22056-000-000`

Property Details

APN / Parcel Number

Primary APN	`22056-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,100 sqft Living Area
1st Floor Area	2,100 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	10,105 sqft (0.232 acres)
Lot Dimensions	130 ft deep x 78 ft wide
Driveway	Driveway
Porch	Open Porch
Porch Area	60 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	904 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 32 BLK G ORB 4494 P 345
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	G
Legal Lot Number	32
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2015
Census Tract	1900

Owner

904 E 2nd Ct is owned by two individuals who bought it in December 2021.

Source: Bay County records, as of September 29, 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 Individual Names on File
Mailing Address	6110 MAHAFFEY RD, 205, FORT MYERS, FL 33966-1298
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU
Dec 2, 2021	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Jul 13, 2020	Grant Deed, Transfer CHARLES A WHITEHEAD FOUNDATIO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Prior Sale	Jul 13, 2020 · Amount on File
Deed Document Number	202191745
Deed Book / Page	4494 / 345
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	904 E 2ND CT, PANAMA CITY, FL 32401-3830
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 DEWITT ST, PANAMA CITY, FL 32401-4045

Mortgage

Document Number	0043231449
Date	Nov 12, 2020
Book Page	4323/1449
Instrument	2020076553

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 12, 2035

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 2, 2021
Property Address	904 E 2ND CT, PANAMA CITY, FL 32401-3830
Document Number	0044940345
Book / Page	4494 / 345
Map Reference	MB 7 PG 60
Instrument Date	Dec 1, 2021
Instrument	2021091745
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	NOT AVAILABLE, BURG TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 HARRISON AVE, 215, PANAMA CITY, FL 32401-2727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 E 2ND CT, PANAMA CITY, FL 32401-3830

Mortgage

Document Number	0004494347
Date	Dec 2, 2021
Instrument	4494/347

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Jul 13, 2020
Property Address	904 E 2ND CT, PANAMA CITY, FL 32401-3830
Document Number	0042730652
Book / Page	004273 / 000652
Instrument Date	Jul 10, 2020
Instrument	45210
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1600 DEWITT ST PANAMA CITY FL 324014045, PANAMA CITY, FL 32401-4045

Mortgage

Document Number	42730654
Date	Jul 13, 2020
Book Page	004273/000654
Instrument	45211

Lender

Name	CHARLES A WHITEHEAD FOUNDATIO
Address	PO BOX 16689, PANAMA CITY, FL 32406-6689

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 904 E 2nd Ct was $6,731, up 2.1% 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	$6,731.00 (+2.11%)	$426,230 Land $52,042 Building $374,188	$426,230 Land $52,042 Building $374,188
2024	$6,592.00 (+4.55%)
2023	$6,305.00 (+20.58%)	$353,821 (+8.09%) Land $44,928 Building $308,893	$353,821 (+8.09%) Land $44,928 Building $308,893
2022	$5,229.00	$327,331 Land $39,012 Building $288,319	$327,331 Land $39,012 Building $288,319

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

Flood

FEMA maps place 904 E 2nd Ct 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 904 E 2nd Ct 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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