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

Bay County property record for 935 E 25th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,802 sqft · built 1945
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Tax Bill	$446 (2025)
Deeds & Mortgages	Sep 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`12919-000-000`

Property Details

APN / Parcel Number

Primary APN	`12919-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,802 sqft Living Area
1st Floor Area	2,802 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	150 ft deep x 160 ft wide
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Driveway	Driveway
Driveway Area	260 sqft

Exterior Amenities

Porch	Slab
Porch Area	232 sqft
Deck Area	192 sqft
Patio Area	570 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	935 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 -61- 104B ST A B DEV CO PLAT S1/2 OF E 198 LOT 95 ORB 727 P 466
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST A B 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

Owner

935 E 25th St is owned and occupied by two individuals who acquired it in September 2026.

Source: Bay County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	935 E 25TH ST, PANAMA CITY, FL 32405-5247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 8, 2026
Transfer Doc	0000055856
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 9, 2026
Property Address	935 E 25TH ST, PANAMA CITY, FL 32405-5247
Document Number	0000055856
Book / Page	5076 / 1906
Instrument Date	Sep 8, 2026
Instrument	202655856
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	935 E 25TH ST, PANAMA CITY, FL 32405-5247

Tax Assessment & Valuation

The 2025 property tax bill for 935 E 25th St was $446.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$446.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$118,426	$172,757 Land $64,000 Building $108,757
2023	$887.00 (+11.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$111,736 (+3%)	$143,036 (+11.84%) Land $48,000 Building $95,036
2022	$795.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$108,482	$127,892 Land $40,960 Building $86,932

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

Flood

FEMA maps place 935 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	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 935 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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