1014 Cornell Dr, Panama City, FL 32405 Property Records

Bay County property record for 1014 Cornell Dr, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,034 sqft · built 1965
Lot Size	0.271 acres (11,804 sqft)
Owner	2 Individual Names on File
Tax Bill	$976 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13736-000-000`

Property Details

APN / Parcel Number

Primary APN	`13736-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,034 sqft Living Area
Gross Area	2,294 sqft
1st Floor Area	2,034 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,804 sqft (0.271 acres)
Lot Dimensions	132 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	260 sqft
Driveway	Driveway

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Patio
Porch Area	220 sqft
Deck Area	256 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1014 CORNELL DR
City	PANAMA CITY
State	FL
Zip	32405-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD1
Legal Description	8TH ADD. FOREST PARK MAP 91B4 LOT 11 BLK 3 AND A PIECE DESC AS BEG AT NW COR LOT 6 BLK M FOURTH ADD TO FOREST PARK TH S28E ALG W LI 112.58, TH N13W 113.93 TO N LI OT LOT 6 THE S86W 29.10 TO POB ORB 1369 P 676 ORB 3240 P 1590
Legal Range	14W
Legal Township	03S
Legal Section	30
Legal Subdivision	8TH ADD. FOREST PARK
Legal Block	3,M
Legal Lot Number	11,6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2012
Census Tract	1502

Owner

1014 Cornell Dr is owned and occupied by two individuals.

Source: Bay County records, as of May 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1014 CORNELL DR, PANAMA CITY, FL 32405-3412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1014 CORNELL DR, PANAMA CITY, FL 32405-3412
Document Number	0041160851
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1014 CORNELL DR PANAMA CITY FL 324053412, PANAMA CITY, FL 32405-3412

Mortgage

Document Number	0041160851
Date	Apr 25, 2019
Book Page	004116/000851
Instrument	41379

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1014 Cornell Dr was $976 with a homeowner's exemption, down 1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$976.00 (-10.05%) Homeowner's exemption	$103,859	$196,397 Land $57,275 Building $139,122
2024	$1,085.00 (-7.42%)
2023	$1,172.00 (-0.09%) Homeowner's exemption	$97,992 (+3%)	$149,003 (+10.87%) Land $45,000 Building $104,003
2022	$1,173.00 Homeowner's exemption	$95,138	$134,399 Land $40,000 Building $94,399

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

Flood

FEMA maps place 1014 Cornell Dr 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 75 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	75 in force
Nearby Flood Claims	98 (1985–2023)
Claims Outside the SFHA	32 of 98
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Michael, Oct 2018 · 25 claims Severe Storms And Flooding, Jul 2013 · 13 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 1014 Cornell Dr 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 99.1% of the US · lower than 98.7% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 374 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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