Bay County property record for 913 E 25th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,740 sqft · built 1982 |
| Lot Size | 0.688 acres (29,969 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Jul 2020) |
| Tax Bill | $1,456 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12922-000-000 |
| Primary APN | 12922-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,740 sqft Living Area |
| 1st Floor Area | 1,740 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 29,969 sqft (0.688 acres) |
| Lot Dimensions | 150 ft deep x 200 ft wide |
| Garage Type | Detached |
| Garage Area | 1,440 sqft |
| Driveway | Driveway |
| Driveway Area | 588 sqft |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Screened/Unfinished Porch |
| Porch Area | 212 sqft |
| Deck Area | 66 sqft |
| Patio Area | 66 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 913 E 25TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 28 3S 14W -63- ST AND BAY DEV CO PLAT BEG 130 E & 150 S OF NW COR LOT 95 TH S 150 E 200 N 150 W 200 TO POB ORB 4274 P 1739 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 28 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Legal Lot Number | 95 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 1302 |
913 E 25th St is owned and occupied by an individual who bought it in July 2020.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 913 E 25TH ST, PANAMA CITY, FL 32405-5247 |
| 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.
| Date | Document |
|---|---|
| Jul 16, 2020 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| May 11, 2017 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2020 · Amount on File |
| Deed Sale | Jul 16, 2020 · Amount on File |
| Prior Sale | May 11, 2017 · Amount on File |
| Deed Document Number | 202046204 |
| Deed Book / Page | 4274 / 1739 |
| Prior Transfer Date | Feb 20, 2015 |
| Prior Transfer Doc | 0036780384 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 16, 2020 |
| Property Address | 913 E 25TH ST, PANAMA CITY, FL 32405-5247 |
| Document Number | 0042741739 |
| Book / Page | 4274 / 1739 |
| Instrument Date | Jul 13, 2020 |
| Instrument | 2020046204 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 811 AVERY ST, 811, PANAMA CITY, FL 32405-5103 |
| Name | Verified Name |
|---|---|
| Address | 913 E 25TH ST, PANAMA CITY, FL 32405-5247 |
| Document Number | 0042741741 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 4274/1741 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 11, 2017 |
| Property Address | 913 E 25TH ST, PANAMA CITY, FL 32405-5247 |
| Document Number | 0038991792 |
| Book / Page | 3899 / 1792 |
| Instrument Date | May 11, 2017 |
| Instrument | 2017026867 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17809 N US HIGHWAY 41, 17809, LUTZ, FL 33549-4574 |
| Name | Verified Name |
|---|---|
| Address | 913 E 25TH ST, PANAMA CITY, FL 32405-5247 |
| Document Number | 2017026868 |
|---|---|
| Date | May 11, 2017 |
| Instrument | 2017026868 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 913 E 25th St was $1,456 with a homeowner's exemption, up 0.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,456.00 (+0.9%) Homeowner's exemption | $157,355 | $213,994 Land $80,000 Building $133,994 |
| 2024 | $1,443.00 (+2.34%) | ||
| 2023 | $1,410.00 (+12.71%) Homeowner's exemption | $148,466 (+3.82%) | $177,124 (+22.93%) Land $60,000 Building $117,124 |
| 2022 | $1,251.00 Homeowner's exemption | $143,005 | $144,080 Land $51,200 Building $92,880 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 913 E 25th 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 21 (1998–2018) |
| Claims Outside the SFHA | 6 of 21 |
| 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 913 E 25th St is low, with a 0.01% annual chance of 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 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 |
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