Bay County property record for 904 E 2nd Pl, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,333 sqft · built 2020 |
| Lot Size | 0.251 acres (10,977 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $73,000 (May 1999) |
| Tax Bill | $2,241 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22007-000-000 |
| Primary APN | 22007-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,333 sqft Heated Area |
| Gross Area | 1,357 sqft |
| 1st Floor Area | 1,153 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,977 sqft (0.251 acres) |
| Lot Dimensions | 110 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 904 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 12 BLK E ORB 1873 P 1456 ORB 2542 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | COVE TERRACE |
| Legal Block | E |
| Legal Lot Number | 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 1900 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 904 E 2ND PL, PANAMA CITY, FL 32401-3838 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 1999 · Amount on Record |
| Deed Sale | May 28, 1999 · Amount on Record |
| Deed Document Number | 0018731456 |
| Deed Book / Page | 22007 |
| Last Transfer Date | Dec 27, 2004 |
| Transfer Doc | 0025421469 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 23, 2026 |
| Property Address | 904 E 2ND PL, PANAMA CITY, FL 32401-3838 |
| Document Number | 0000058850 |
| Book / Page | 5081 / 1078 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 202658850 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 904 E 2ND PL, PANAMA CITY, FL 32401-3838 |
| Document Number | 0000058850, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 5081/1078 |
| Instrument | 202658850 |
| Name | TYNDALL FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $2,241.00 (-7.51%) Homeowner's exemption | $183,970 (+5.99%) | $229,007 (+22.65%) Land $61,855 Building $167,152 |
| 2023 | $2,423.00 (+4.62%) Homeowner's exemption | $173,578 (+3%) | $186,719 (+10.47%) Land $53,400 Building $133,319 |
| 2022 | $2,316.00 Homeowner's exemption | $168,522 | $169,027 Land $46,369 Building $122,658 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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