920 E 10th St, Panama City, FL 32401 Property Records

Bay County property record for 920 E 10th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 2024
Lot Size	0.128 acres (5,576 sqft)
Owner	Company Name on Record
Last Sale	$9,000 (May 2022)
Tax Bill	$2,820 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17083-000-000`

Property Details

APN / Parcel Number

Primary APN	`17083-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,576 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	920 E 10TH ST
City	PANAMA CITY
State	FL
Zip	32401-3448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	GLENWOOD ADD. LOT 3 BLK 7 MAP 105B4
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	GLENWOOD
Legal Block	7
Legal Lot Number	3
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 January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	653 W 23RD ST, PANAMA CITY, FL 32405-3922
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU
May 17, 2022	Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE
Nov 5, 2019	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Nov 5, 2019 · Amount on Record
Deed Document Number	2022037305
Deed Book / Page	4564 / 2316
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	920 E 10TH ST, PANAMA CITY, FL 32401-3448
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10901 FRONT BEACH RD 714, 714, PANAMA CITY BEACH, FL 32407-3590

Mortgage

Document Number	0047081423
Date	Jul 11, 2023
Book Page	4708/1423
Instrument	2023043133

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 26, 2038

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 17, 2022
Property Address	920 E 10TH ST, PANAMA CITY, FL 32401-3448
Document Number	0045642316
Book / Page	4564 / 2316
Map Reference	MB 4 PG 13
Instrument Date	May 11, 2022
Instrument	2022037305
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Tax	$63.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 162121, ALTAMONTE SPRINGS, FL 32716-2121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 SW 100TH TER, PEMBROKE PINES, FL 33025-1004

November 2019: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	BAY FL
Recording Date	Nov 5, 2019
Property Address	920 E 10TH ST, PANAMA CITY, FL 32401-3448
Document Number	0041872122
Book / Page	004187 / 002122
Instrument Date	Nov 5, 2019
Instrument	96420
Transaction Type	Foreclosure
Record Updated	Nov 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$15.79
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	PO BOX 830539 BIRMINGHAM AL 352830539, BIRMINGHAM, AL 35283-0539
Investor	Possibly a Property Investor

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	$2,820.00 (+1,255.77%)	$179,231 (+1,424.07%) Land $12,544 Building $166,687	$179,231 (+1,424.07%) Land $12,544 Building $166,687
2024	$208.00 (-43.32%)	$11,760 (+11.11%) Land $11,760	$11,760 (+11.11%) Land $11,760
2023	$367.00 (+12.92%)	$10,584 (+34.33%) Land $10,584	$10,584 (+34.33%) Land $10,584
2022	$325.00	$7,879 Land $7,879	$7,879 Land $7,879

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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