904 E 8th Ct, Panama City, FL 32401 Property Records

Bay County property record for 904 E 8th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 616 sqft · built 1940
Lot Size	0.128 acres (5,575 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Jan 2017)
Tax Bill	$401 (2025)
Deeds & Mortgages	Sep 2026 Sale Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17246-000-000`

Property Details

APN / Parcel Number

Primary APN	`17246-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	616 sqft Living Area
1st Floor Area	616 sqft
Flooring	Wood
Interior Walls	Plywood

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,575 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	904 E 8TH CT
City	PANAMA CITY
State	FL
Zip	32401-3550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	GLENWOOD ADD. LOT 7 BLK 18 ORB 3867 P 372
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	GLENWOOD ADD
Legal Block	18
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4028
Census Tract	1600

Owner

Source: Bay County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	8111 HERITAGE WOODS LN, PANAMA CITY, FL 32404-8553
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 20, 2017	Warranty Deed, Transfer BILLY MURPHY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2017 · Amount on Record
Deed Sale	Jan 20, 2017 · Amount on Record
Deed Document Number	20173366
Deed Book / Page	3867 / 372
Last Transfer Date	Sep 11, 2026
Transfer Doc	0000056638
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Sep 11, 2026
Property Address	904 E 8TH CT, PANAMA CITY, FL 32401-3550
Document Number	0000056638
Book / Page	5077 / 2206
Instrument Date	Sep 11, 2026
Instrument	202656638
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	8111 HERITAGE WOODS LN, PANAMA CITY, FL 32404-8553

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 20, 2017
Property Address	904 E 8TH CT, PANAMA CITY, FL 32401-3550
Document Number	0038670372
Book / Page	003867 / 000372
Instrument Date	Jan 20, 2017
Instrument	3366
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	904 E 8TH CT PANAMA CITY BEACH FL 324013550, PANAMA CITY BEACH, FL 32401-3550

Mortgage

Document Number	38670374
Date	Jan 20, 2017
Book Page	003867/000374
Instrument	3367

Lender

Name	BILLY MURPHY
Address	LYNN HAVEN, FL 32444
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

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	$401.00 (+4.97%) Homeowner's exemption	$40,917 (+2.9%)	$51,267 (+8.81%) Land $12,544 Building $38,723
2024	$382.00 (-0.26%) Homeowner's exemption	$39,764 (+3%)	$47,117 (+9.53%) Land $10,680 Building $36,437
2023	$383.00 (-11.14%) Homeowner's exemption	$38,606 (+3%)	$43,018 (+14.77%) Land $9,612 Building $33,406
2022	$431.00 Homeowner's exemption	$37,482 Land $7,155 Building $30,327	$37,482 Land $7,155 Building $30,327

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1995–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2023
Claims by Event	Hurricane Opal, Oct 1995 · 2 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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