Bay County property record for 1011 Spring Ave, Panama City, FL 32401
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 2,009 sqft · built 1982 |
| Lot Size | 0.223 acres (9,757 sqft) |
| Owner | Individual Name on File |
| Last Sale | $244,000 (Mar 2022) |
| Tax Bill | $3,653 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Oct 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 15859-000-000 |
| Primary APN | 15859-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,009 sqft Heated Area |
| Gross Area | 2,227 sqft |
| 1st Floor Area | 960 sqft |
| 2nd Floor Area | 1,049 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,757 sqft (0.223 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 132 sqft |
| Patio Area | 210 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1011 SPRING AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4542 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PC04 |
| Legal Description | 3 4S 14W -48- 105A4 COM AT NW COR OF NW1/4 OF NE1/4 OF SE1/4 TH S 147' E 165 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 1700 |
1011 Spring Ave, a duplex, is owned by an individual who bought it in March 2022.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 807 W GIBSON ST # 1, 1, AUSTIN, TX 78704-2345 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP |
| Oct 16, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 7, 2022 · Amount on File |
| Deed Sale | Mar 7, 2022 · Amount on File |
| Prior Sale | Oct 16, 2019 |
| Deed Document Number | 2022016505 |
| Deed Book / Page | 4533 / 225 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 7, 2022 |
| Property Address | 1011 SPRING AVE, PANAMA CITY, FL 32401-4542 |
| Document Number | 0045330225 |
| Book / Page | 4533 / 225 |
| Instrument Date | Feb 18, 2022 |
| Instrument | 2022016505 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,708.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1912 ISABELLA AVE, 1912, PANAMA CITY, FL 32405-1527 |
| Name | Verified Name |
|---|---|
| Address | 807 W GIBSON ST # 1, 1, AUSTIN, TX 78704-2345 |
| Document Number | 0004533227 |
|---|---|
| Date | Mar 7, 2022 |
| Instrument | 4533/227 |
| Name | UNITED AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 16, 2019 |
| Property Address | 1011 SPRING AVE, PANAMA CITY, FL 32401-4542 |
| Document Number | 0041800753 |
| Book / Page | 004180 / 000753 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 90863 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1912 ISABELLA AVE PANAMA CITY FL 324051527, PANAMA CITY, FL 32405-1527 |
The 2025 property tax bill for 1011 Spring Ave was $3,653.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,653.00 | $233,653 Land $22,531 Building $211,122 | $233,653 Land $22,531 Building $211,122 |
| 2023 | $3,560.00 (+314.44%) | $207,989 (+390.04%) Land $15,251 Building $192,738 | $207,989 (+390.04%) Land $15,251 Building $192,738 |
| 2022 | $859.00 | $42,443 Land $14,211 Building $28,232 | $42,443 Land $14,211 Building $28,232 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1011 Spring Ave 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 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 16 (1999–2024) |
| Claims Outside the SFHA | 12 of 16 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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 risk around 1011 Spring Ave is low, with less than 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 | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures