Pay Your Bay County Property Taxes

This page helps with Property Tax tasks in Bay County, Florida, including searching for a tax account, paying a bill, understanding due dates, and knowing when to contact the Bay County Tax Collector.

The main online option is the Property Tax - Bay search and payment service. The Bay County Tax Collector also provides office service, tax notice information, discount details, delinquent tax guidance, and property tax forms.

Property Tax - Bay online search and payment

Use the search and pay Bay County property taxes online service to view and pay a current-year bill. The service also supports payments for accounts exempted from public disclosure.

Have the bill information ready before searching.

• Tax type
• Account
• Combined tax and assessment information, when needed

Use fewer search terms if the account does not appear.

• Open the Property Tax - Bay search page.
• Enter the account or tax information requested by the form.
• Select “View bill” to review the current-year bill.
• Pay through the online service if the bill matches your account.

If no account matches, try leaving off words such as drive, road, avenue, or street.

Real estate property tax notices

The Bay County Tax Collector handles collection after the tax roll is certified. The Property Appraiser assesses property value, and the Board of County Commissioners and other levying bodies set millage rates.

Tax notices are normally mailed on or before November 1 each year. The due date is March 31, and unpaid taxes become delinquent on April 1.

For name, address, location, or assessed value changes, work with the Property Appraiser’s Office. If a mortgage company pays through escrow, the mortgage company should request the original tax notice, and the owner receives a copy.

You can also review the Bay County Tax Collector’s real estate property tax information for tax notice and payment guidance.

Early payment discounts

Bay County property tax bills receive discounts when paid before March. Payments made in March do not receive a discount.

The discount for mailed payments is based on the envelope postmark. For walk-in payments, a discount deadline that falls on a weekend or observed holiday is extended to the next working day.

Installment payment plan

Eligible taxpayers may pay property taxes quarterly through the Bay County Tax Collector’s installment payment plan. Prior year taxes must exceed $100.00 or be escrowed by a mortgage company.

The installment application must be returned to the Tax Collector’s Office by April 30. The online enrollment option is available during the enrollment period, approximately February through April, after looking up the property tax account.

Missing the first installment terminates eligibility for the rest of that tax year, and the taxpayer receives a regular tax bill in November.

Delinquent property taxes

Property taxes become delinquent on April 1 and accrue additional interest until paid. Delinquent taxes must be paid with certified funds, cash, cashier’s check, money order, or PIN debit card. Personal and business checks are not accepted for delinquent taxes.

If delinquent real estate taxes are not paid, the parcel is included in the tax certificate sale on or before June 1. A tax certificate is a lien against the property, not a sale of the land.

After two years from the date of delinquency, a certificate holder may apply for a tax deed. If taxes remain unpaid through that process, the property may be sold at public auction by the Clerk of the Circuit Court.

Review the Tax Collector’s delinquent property tax information before paying late taxes or researching tax certificate and tax deed steps.

Tangible personal property taxes

Tangible Personal Property, or TPP, includes goods other than real estate that have value by themselves. Businesses operating as of January 1 must file a TPP tax return, and property owners who lease, lend, or rent property or equipment must also file.

TPP returns must be filed with the Property Appraiser’s Office on all assets by April 1. Examples include business furniture, fixtures, equipment, computers, copiers, machinery, tools, signs, supplies, and leased equipment.

Learn more through the Bay County Tax Collector’s tangible personal property tax page.

Tax bill details to check

The tax bill includes account details that help identify the correct property and payment amount. Check these fields before paying:

• Account number
• Legal description
• Property owner names
• Mailing address
• Total taxes and assessments
• Amount due after any discount
• Delinquent tax due message, if shown

Keep the upper portion of the bill and proof of payment for your records. If paying by mail, return the lower portion of the bill with the payment.

2025 Bay County millage rates

Bay County lists the following 2025 millage rates by taxing authority.

Bay County Tax Collector offices

Use these Bay County Tax Collector office locations for property tax service, including in-person payments. Only Bay County property taxes can be paid at these offices.

• Panama City Office Location, 850 11th St., Panama City, FL 32401
  Fax: (850) 248-8541
• PC Beach Office Location, 10520 Hutchison Blvd., Panama City Beach, FL 32407
  Fax: (850) 233-5038
• Lynn Haven Office Location, 700 Florida Ave., Lynn Haven, FL 32444
  Fax: (850) 271-8122
• Callaway Office Location, 805 S. Tyndall Pkwy, Callaway, FL 32404
  Fax: (850) 747-5633
• Bay County Tax Collector mailing address, P.O. Box 2285, Panama City, FL 32402
• Bay County Tax Collector physical address, 850 W. 11th Street, Panama City, FL 32401