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922 E 25th St, Panama City, FL 32405 Property Records

Bay County property record for 922 E 25th St, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,705 sqft · built 1983
Lot Size0.378 acres (16,465 sqft)
Owner2 Individual Names on File
Last Sale$167,500 (Aug 2018)
Tax Bill$1,159 (2025)
Deeds & MortgagesNov 2018 Mortgage
Aug 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN12938-010-000

Property Details

APN / Parcel Number

Primary APN12938-010-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,705 sqft Living Area
1st Floor Area1,505 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1993
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialOther
Lot Area16,465 sqft (0.378 acres)
Lot Dimensions165 ft deep x 100 ft wide
Garage TypeCarport
Garage Area500 sqft
CarportCarport
Carport Area500 sqft
DrivewayDriveway
PorchFlorida Room
Porch Area344 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address922 E 25TH ST
CityPANAMA CITY
StateFL
Zip32405-5246
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description28 3S 14W -73.1- MAP 104B ST A B DEV CO PLAT BEG NW COR OF E 1/2 LOT 98 TH E 100 S 180 W100 N 180 TO POB ORB 4039 P 1591
Legal Range14W
Legal Township03S
Legal Section28
Legal SubdivisionST A B DEV CO PLAT
Legal Lot Number98
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3048
Census Tract1302

Owner

922 E 25th St is owned and occupied by two individuals who bought it in August 2018.

Source: Bay County records, as of January 5, 2026

Owner of Record2 Individual Names on File
Mailing Address922 E 25TH ST, PANAMA CITY, FL 32405-5246
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 19, 2018Deed of Trust, Mortgage · Conventional Mortgage
US SMALL BUSN ADMN
Aug 20, 2018Warranty Deed, Transfer · FHA Mortgage
CONGRESSIONAL BANK
Jul 20, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 20, 2018 · Amount on File
Deed SaleAug 20, 2018 · Amount on File
Prior SaleDec 28, 2012 · Amount on File
Deed Document Number201849889
Deed Book / Page4039 / 1591
Prior Transfer DateMar 22, 2018
Prior Transfer Doc0040291994
Record UpdatedJun 8, 2026

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address922 E 25TH ST, PANAMA CITY, FL 32405-5246
Document Number0040860816
Instrument DateNov 19, 2018
Transaction TypeMortgage
Record UpdatedFeb 14, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address922 E 25TH ST PANAMA CITY FL 324055246, PANAMA CITY, FL 32405-5246

Mortgage

Document Number0040860816
DateFeb 4, 2019
Book Page004086/000816
Instrument13171
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35203
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueFeb 3, 2034

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 20, 2018
Property Address922 E 25TH ST, PANAMA CITY, FL 32405-5246
Document Number0040391591
Book / Page4039 / 1591
Instrument DateAug 16, 2018
Instrument2018049889
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address922 E 25TH ST, 922, PANAMA CITY, FL 32405-5246

Transferred To (Grantee/Buyer)

NameVerified Name
Address4403 PAXTON DR S, HILLIARD, OH 43026-1851

Mortgage

Document Number2018049890
DateAug 20, 2018
Instrument2018049890
Lender
NameCONGRESSIONAL BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2048

July 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJul 20, 2018
Property Address922 E 25TH ST, PANAMA CITY, FL 32405-5246
Document Number0040291994
Book / Page004029 / 001994
Instrument DateMar 22, 2018
Instrument43149
Transaction TypeTransfer
Record UpdatedJul 31, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address922 E 23TH ST PANAMA CITY FL 32405, PANAMA CITY, FL 32405

Tax Assessment & Valuation

The 2025 property tax bill for 922 E 25th St was $1,159 with a homeowner's exemption, up 0.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,159.00 (+0.35%) Homeowner's exemption$133,368$201,743 Land $41,600 Building $160,143
2024$1,155.00 (+2.58%)
2023$1,126.00 (+11.49%) Homeowner's exemption$125,834 (+3%)$169,992 (+10.93%) Land $31,200 Building $138,792
2022$1,010.00 Homeowner's exemption$122,169$153,249 Land $26,624 Building $126,625

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

Flood

FEMA maps place 922 E 25th St in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 46 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies46 in force
Nearby Flood Claims21 (1998–2018)
Claims Outside the SFHA6 of 21
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 11 claims
  • Severe Storms And Flooding, Jul 2013 · 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

Wildfire risk around 922 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemBAY COUNTY WATER SYSTEM
serves 40,848 people · EPA ID FL1030050
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

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

ProviderMax 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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