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

Bay County property record for 907 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,185 sqft · built 1952
Lot Size	0.223 acres (9,713 sqft)
Owner	Individual Name on Record
Tax Bill	$3,687 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22062-000-000`

Property Details

APN / Parcel Number

Primary APN	`22062-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,185 sqft Living Area
1st Floor Area	2,185 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,713 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Driveway	Driveway
Porch	Slab
Porch Area	117 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	907 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD LOT 4 BLK H ORB 3927 P 911
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	H
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2016
Census Tract	1900

Owner

Source: Bay County records, as of August 12, 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	907 E 2ND CT, PANAMA CITY, FL 32401-3829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 15, 2017	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	907 E 2ND CT, PANAMA CITY, FL 32401-3829
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 E 2ND CT, PANAMA CITY, FL 32401-3829

Mortgage

Document Number	0044790386
Date	Oct 28, 2021
Book Page	4479/386
Instrument	2021082553

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 15, 2017
Property Address	907 E 2ND CT, PANAMA CITY, FL 32401-3829
Document Number	0039270911
Book / Page	003927 / 000911
Instrument Date	Aug 14, 2017
Instrument	46163
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	907 E 2ND CT PANAMA CITY FL 324013829, PANAMA CITY, FL 32401-3829

Mortgage

Document Number	39270913
Date	Aug 15, 2017
Book Page	003927/000913
Instrument	46164

Lender

Name	PACIFIC UNION FIN'L
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2047

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	$3,687.00 (+14.9%)	$212,918 (+20.06%)	$217,559 (+22.68%) Land $50,040 Building $167,519
2023	$3,209.00 (+17.85%)	$177,345 (+10.86%) Land $43,200 Building $134,145	$177,345 (+10.86%) Land $43,200 Building $134,145
2022	$2,723.00	$159,968 Land $37,512 Building $122,456	$159,968 Land $37,512 Building $122,456

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
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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