Bay County · Tax deed · Tuesday, September 1 · 10:00 AM CT

515 S HWY 22A, PANAMA CITY, FL 32404

Soldfirst seen Sep 5, 2026 · last read 59 days ago

Opening bid

$2,203

Appraiser's value

$10,421

Assessed value $10,247

Bid vs value

n/a

Sold for

$7,800

to 3rd Party Bidder

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The score, and why

Four things about the record, weighted, with the reason for each. It says nothing about the house itself.

Pro

Not scored yet. Scores are written after each nightly read.

ZIP 32404: rent and home value

Area numbers from Zillow. Asking rent across houses, condos and apartments together; the typical home value in the middle of the market. Neither is this parcel.

Pro

Source: Zillow Research, ZHVI and ZORI · As of July 2026

The deal memo

About 250 words in plain language: what this is, the math, what nobody knows yet, and what to check before you bid. Written from the record and the ZIP numbers, never from a guess about the house.

Memos are on Pro

What the appraiser's roll says

Use: Vacant residential lot
Living area: none on record
Land: 2,962 sqft (0.07 acres)
Just value: $10,421
Land value: $9,585
Homestead: No
Roll address: 515 S HWY 22A, PANAMA CITY

Source: Florida Department of Revenue, 2026 final roll · Just value is the appraiser's market estimate as of January 1.

The record

Auction Sold: 09/01/2026 10:01 AM CT
Case #: 2026-3969TD
Certificate: 3969
Parcel ID: 25166-038-000
Property address: 515 S HWY 22A, PANAMA CITY, FL 32404
Assessed value: $10,247.00
Opening bid: $2,202.96
Auction type: TAXDEED

Source: Bay County Clerk · As of Sep 5, 2026

Liens and deeds

Florida tax deed facts: the owner can redeem until the winning bidder's full payment reaches the clerk, and not after. Mortgages usually do not survive a tax deed; some government liens can. Title companies generally want a quiet title action or a title certification before insuring a resale.

Deeds, mortgages, liens and releases are on the county clerk's official records. Search by the address and by the owner's name from the appraiser record. A mortgage with no release after it is a mortgage still on the house.

Owner contact and a mortgage and lien check are on the Investor plan, 50 of each a month.

Want it done for you? Order a title report from a title company, priced in writing before any work starts.

New homes in the county

1,898

housing units permitted in Bay County in the 12 months through Aug 31, 2026, down 11 percent on the year before. Building nearby tends to follow demand; it is a county number, not this street.

Source: U.S. Census Bureau, Building Permits Survey · As of Aug 31, 2026

Before you bid

The owner can pay up and cancel this sale right until the county takes the winner's money. In Florida there is no getting the house back after that.
A tax deed usually wipes out mortgages, but government liens can survive. You will likely need a quiet title action or a title certification before a title company insures a resale.
Nobody has been inside. Drive by. Assume repairs.
Read the county's deposit and payment rules. Most want a deposit to register and full payment within a day.

How a Florida sale works

Changes

Sep 5, 2026 first seen on the county list