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909 E 7th St, Panama City, FL 32401 Property Records

Bay County property record for 909 E 7th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 966 sqft · built 1944
Lot Size0.179 acres (7,797 sqft)
OwnerIndividual Name on File
Last Sale$57,500 (Dec 2019)
Tax Bill$1,163 (2025)
Deeds & MortgagesDec 2019 Mortgage
Flood ZoneZone X (moderate risk)
APN17333-000-000

Property Details

APN / Parcel Number

Primary APN17333-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area966 sqft Living Area
1st Floor Area966 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1944
Effective Year BuiltEffective 1994
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,797 sqft (0.179 acres)
Lot Dimensions140 ft deep x 56 ft wide
Garage TypeCarport
Garage Area180 sqft
CarportCarport
Carport Area180 sqft
DrivewayDriveway
PorchScreened/Unfinished Porch
Porch Area90 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address909 E 7TH ST
CityPANAMA CITY
StateFL
Zip32401-3510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC03
Legal DescriptionGLENWOOD ADD. E 16 LOT 15 & ALL LOT 16 MAP 105B4 BLK 24 ORB 4200 P 2359
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionGLENWOOD ADD
Legal Block24
Legal Lot Number15,16
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group4
Census Block4000
Census Tract1600

Owner

909 E 7th St is owned by an individual who bought it in December 2019.

Source: Bay County records, as of October 9, 2026

Owner of RecordIndividual Name on File
Mailing Address770 MAGNOLIA AVE, PANAMA CITY, FL 32401-2910
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

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 NamesName on Deed
Last SaleDec 13, 2019 · Amount on File
Deed SaleDec 13, 2019 · Amount on File
Deed Document Number2019105788
Deed Book / Page4200 / 2359
Record UpdatedOct 29, 2026

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 13, 2019
Property Address909 E 7TH ST, PANAMA CITY, FL 32401-3510
Document Number0042002359
Book / Page004200 / 002359
Instrument DateDec 12, 2019
Instrument105788
Transaction TypeTransfer
Record UpdatedDec 27, 2019
Title CompanyMASON TITLE AND ESCROW COMPANY, MASON TITLE & ESCROW CO

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address770 MAGNOLIA AVE PANAMA CITY BEACH FL 324012910, PANAMA CITY BEACH, FL 32401-2910

Mortgage

Document Number42002361
DateDec 13, 2019
Book Page004200/002361
Instrument105789
Lender
NameJOSEPH T MIELKE
Address8140 MITTIE AVE, CALLAWAY, FL 32404-5273
Special NotesSeller Financed
Agreement
AmountAmount on Record
Term60 Months
DueDec 12, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 909 E 7th St was $1,163, down 15.4% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,163.00 (-15.42%)$73,685 Land $17,562 Building $56,123$73,685 Land $17,562 Building $56,123
2024$1,375.00 (+8.78%)
2023$1,264.00 (+13.67%)$64,143 (+14.09%) Land $14,817 Building $49,326$64,143 (+14.09%) Land $14,817 Building $49,326
2022$1,112.00$56,220 Land $11,030 Building $45,190$56,220 Land $11,030 Building $45,190

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

Flood

FEMA maps place 909 E 7th St in Zone X, an area of moderate flood risk, within 100 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims6 (1995–2023)
Claims Outside the SFHA3 of 6
Most Recent ClaimSep 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

The area around 909 E 7th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 196 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
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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