909 E 9th Ct, Panama City, FL 32401 Property Records

Bay County property record for 909 E 9th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 962 sqft · built 2023
Lot Size	0.128 acres (5,575 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,659 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`17094-000-000`

Property Details

APN / Parcel Number

Primary APN	`17094-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	962 sqft Living Area
1st Floor Area	962 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,575 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Driveway	Driveway
Driveway Area	440 sqft
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	909 E 9TH CT
City	PANAMA CITY
State	FL
Zip	32401-3439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	GLENWOOD ADD MAP 105B4 LOT 14 BLK 7 ORB 4759 P 1845
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	GLENWOOD ADD
Legal Block	7
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4023
Census Tract	1600

Owner

Source: Bay County records, as of April 30, 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	169 HICKORY HEIGHTS DR APT 2207, 2207
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Warranty Deed, Transfer · FHA Mortgage AHL FUNDING
Jan 28, 2022	Warranty Deed, Transfer NOT AVAILABLE, OMEGA TITLE FLORIDA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2023
Deed Sale	Nov 27, 2023
Prior Sale	Jan 28, 2022 · Amount on Record
Deed Document Number	202373536
Deed Book / Page	4752 / 174
Last Transfer Date	Dec 20, 2023
Transfer Doc	0047591845
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 27, 2023
Property Address	909 E 9TH CT, PANAMA CITY, FL 32401-3439
Document Number	0047520174
Book / Page	4752 / 174
Map Reference	MB 4 PG 13
Instrument Date	Nov 22, 2023
Instrument	2023073536
Transaction Type	Transfer
Record Updated	Dec 15, 2023
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2941 LUCAYAN HARBOUR CIR # CIR7-105, CIR7-105, KISSIMMEE, FL 34746-7112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 HICKORY HEIGHTS DR APT 2207, 2207, HENDERSONVILLE, TN 37075-4657

Mortgage

Document Number	0004752176
Date	Nov 27, 2023
Instrument	4752/176

Lender

Name	AHL FUNDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 28, 2022
Property Address	909 E 9TH CT, PANAMA CITY, FL 32401-3439
Document Number	0045161856
Book / Page	4516 / 1856
Map Reference	MB 4 PG 13
Instrument Date	Jan 27, 2022
Instrument	2022006519
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	NOT AVAILABLE, OMEGA TITLE FLORIDA LLC

Transaction

Amount	Amount Recorded
Tax	$87.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1014 MAPLE AVE, 1014, PANAMA CITY, FL 32401-4579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2310 S HIGHWAY 77 # 110324, 110324, LYNN HAVEN, FL 32444-4616

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	$2,659.00 (-7.13%)	$168,375 (+1,490.84%) Land $12,544 Building $155,831	$168,375 (+1,490.84%) Land $12,544 Building $155,831
2024	$2,863.00 (+671.7%)
2023	$371.00 (+1.37%)	$10,584 (+2.21%) Land $10,584	$10,584 (+2.21%) Land $10,584
2022	$366.00	$10,355 Land $7,879 Building $2,476	$10,355 Land $7,879 Building $2,476

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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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