909 E 11th Ct, Panama City, FL 32401 Property Records

Bay County property record for 909 E 11th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,870 sqft · built 1942
Lot Size	0.103 acres (4,487 sqft)
Owner	Individual Name on File
Last Sale	$10,000 (Mar 2024)
Tax Bill	$1,203 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16503-000-000`

Property Details

APN / Parcel Number

Primary APN	`16503-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,870 sqft Heated Area
Gross Area	1,990 sqft
1st Floor Area	1,870 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	100 ft deep x 45 ft wide
Driveway	Driveway
Driveway Area	270 sqft

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Patio Area	420 sqft
Fence	Fence

Location & Zoning

Street Address	909 E 11TH CT
City	PANAMA CITY
State	FL
Zip	32401-3342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	4 4S 14W -42- 69A BEG 345' N & 75' W OF SE COR OF SE1/4 OF SW1/4 OF NE1/4 TH N 100'W 45'
Legal Range	14W
Legal Township	04S
Legal Section	04
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3009
Census Tract	1600

Owner

909 E 11th Ct is owned and occupied by an individual who bought it in March 2024.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	909 E 11TH CT, PANAMA CITY, FL 32401-3342
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2024 · Amount on File
Deed Sale	Mar 4, 2024 · Amount on File
Deed Document Number	2024011923
Deed Book / Page	4778 / 2190
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 4, 2024
Property Address	909 E 11TH CT, PANAMA CITY, FL 32401-3342
Document Number	0047782190
Book / Page	4778 / 2190
Instrument Date	Feb 15, 2024
Instrument	2024011923
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	DIXIE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	738 NE HIGHWAY 351, CROSS CITY, FL 32628-3111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2251 NW 48TH TER APT 204, 204, LAUDERHILL, FL 33313-3459

Mortgage

Document Number	0047782192
Date	Mar 4, 2024
Instrument	4778/2192

Lender

Name	DEWEY HATCHER
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 909 E 11th Ct was $1,203, down 15.5% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

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	$1,203.00 (-15.52%)	$76,174 (+5.85%) Land $12,240 Building $63,934	$76,174 (+5.85%) Land $12,240 Building $63,934
2024	$1,424.00 (+8.04%)	$71,961 (+8.84%) Land $11,475 Building $60,486	$71,961 (+8.84%) Land $11,475 Building $60,486
2023	$1,318.00 (+13.82%)	$66,118 (+12.71%) Land $10,327 Building $55,791	$66,118 (+12.71%) Land $10,327 Building $55,791
2022	$1,158.00	$58,661 Land $7,688 Building $50,973	$58,661 Land $7,688 Building $50,973

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

Flood

FEMA maps place 909 E 11th Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1995)
Most Recent Claim	Oct 1995 · Hurricane Opal

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 909 E 11th Ct is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 172 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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