Bay County property record for 909 E 16th St, Panama City, FL 32405
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 1.5 ba |
| Lot Size | 0.137 acres (5,967 sqft) |
| Owner | Individual Name on File |
| Last Sale | $15,000 (Jan 2025) |
| Tax Bill | $141 (2025) |
| Deeds & Mortgages | Dec 2022 Sale Oct 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 14488-000-000 |
| Primary APN | 14488-000-000 |
|---|
| Lot Area | 5,967 sqft (0.137 acres) |
|---|---|
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Street Address | 909 E 16TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6106 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PC07 |
| Legal Description | KEITHS 4TH ADD THE W 50 OF THE E 100 LOT 6 ORB 4643 P 1240 BLK 1 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 33 |
| Legal Subdivision | KEITHS 4TH ADD |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 1600 |
909 E 16th St, residential vacant land, is owned by an individual who bought it in January 2025.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1916 ARTHUR AVE, PANAMA CITY, FL 32405-2436 |
| 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.
| Date | Document |
|---|---|
| Dec 27, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Oct 6, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2025 · Amount on File |
| Deed Sale | Jan 29, 2025 · Amount on File |
| Prior Sale | Dec 27, 2022 · Amount on File |
| Deed Document Number | 20254538 |
| Deed Book / Page | 4879 / 988 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 27, 2022 |
| Property Address | 909 E 16TH ST, PANAMA CITY, FL 32405-6106 |
| Document Number | 0046431240 |
| Book / Page | 4643 / 1240 |
| Instrument Date | Dec 27, 2022 |
| Instrument | 2022090827 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $196.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1011 NOTTINGHAM DR, PANAMA CITY, FL 32401-5148 |
| Name | Verified Name |
|---|---|
| Address | 30 9TH AVE, SHALIMAR, FL 32579-1346 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 6, 2021 |
| Property Address | 909 E 16TH ST, PANAMA CITY, FL 32405-6106 |
| Document Number | 0044700421 |
| Book / Page | 4470 / 421 |
| Instrument Date | Oct 6, 2021 |
| Instrument | 2021076740 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $14.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 GEORGE BENNETT RD, 120, AGRICOLA, MS 39452-7022 |
| Name | Verified Name |
|---|---|
| Address | 1011 NOTTINGHAM DR, PANAMA CITY BEACH, FL 32401-5148 |
The 2025 property tax bill for 909 E 16th St was $141, down 9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $141.00 (-9.03%) | $8,929 (+6.68%) Land $8,928 Building $1 | $8,929 (+6.68%) Land $8,928 Building $1 |
| 2024 | $155.00 (-51.26%) | $8,370 (+11.11%) Land $8,370 | $8,370 (+11.11%) Land $8,370 |
| 2023 | $318.00 (+9.28%) | $7,533 (+34.35%) Land $7,533 | $7,533 (+34.35%) Land $7,533 |
| 2022 | $291.00 | $5,607 Land $5,607 | $5,607 Land $5,607 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 909 E 16th St 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 6 (1984–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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.
Wildfire risk around 909 E 16th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 80 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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