915 E 2nd Ct, Panama City, FL 32401 Property Records

Bay County property record for 915 E 2nd Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,396 sqft · built 1952
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (Jun 2022)
Tax Bill	$5,030 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22066-000-000`

Property Details

APN / Parcel Number

Primary APN	`22066-000-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,396 sqft Heated Area
Gross Area	2,712 sqft
1st Floor Area	2,300 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2012
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Rolled Roofing
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Detached
Porch	Open Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	915 E 2ND CT
City	PANAMA CITY
State	FL
Zip	32401-3829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD LOT 8 BLK H ORB 4605 P 2021
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	H
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2016
Census Tract	1900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	915 E 2ND CT, PANAMA CITY, FL 32401-3829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK
Sep 1, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 13, 2022	Warranty Deed, Transfer SETCO SERVICES LLC
Feb 19, 2019	Warranty Deed, Transfer OMEGA TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Jun 13, 2022 · Amount on Record
Deed Document Number	0045752170
Deed Book / Page	4575 / 2170
Last Transfer Date	Sep 1, 2022
Transfer Doc	0046052021
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	915 E 2ND CT, PANAMA CITY, FL 32401-3829
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 E 2ND CT, PANAMA CITY, FL 32401-3829

Mortgage

Document Number	0046100146
Date	Sep 14, 2022
Book Page	4610/146
Instrument	2022068216

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Sep 1, 2022
Property Address	915 E 2ND CT, PANAMA CITY, FL 32401-3829
Document Number	0046052021
Book / Page	4605 / 2021
Map Reference	MB 7 PG 60
Instrument Date	Aug 26, 2022
Instrument	2022065212
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2922 KINGS DR, 2922, PANAMA CITY, FL 32405-1616

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 5 EAST 2ND COURT, PANAMA CITY, FL 32401

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 13, 2022
Property Address	915 E 2ND CT, PANAMA CITY, FL 32401-3829
Document Number	0045752170
Book / Page	4575 / 2170
Map Reference	MB 7 PG 60
Instrument Date	Jun 10, 2022
Instrument	2022044410
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$2,793.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1008 SUNSET LN, 1008, LYNN HAVEN, FL 32444-3455

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	MEGAN 2922 KINGS DRIVE, PANAMA CITY, FL 32405-1616

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 19, 2019
Property Address	915 E 2ND CT, PANAMA CITY, FL 32401-3829
Document Number	0040911769
Book / Page	004091 / 001769
Instrument Date	Feb 15, 2019
Instrument	18896
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	OMEGA TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1008 SUNSET LN LYNN HAVEN FL 324443455, LYNN HAVEN, FL 32444-3455

Tax Assessment & Valuation

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	$5,030.00 (+0.56%) Homeowner's exemption	$360,553 (+6.86%)	$420,556 (+24.64%) Land $50,040 Building $370,516
2023	$5,002.00 (+151.99%) Homeowner's exemption	$337,419 (+141.27%) Land $43,200 Building $294,219	$337,419 (+141.27%) Land $43,200 Building $294,219
2022	$1,985.00	$139,854 Land $37,512 Building $102,342	$139,854 Land $37,512 Building $102,342

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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.

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 437 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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