Bay County property record for 1022 Spring Ave, Panama City, FL 32401
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,678 sqft · built 1989 |
| Lot Size | 0.239 acres (10,410 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $1,925 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Jun 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 15862-003-000 |
| Primary APN | 15862-003-000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,678 sqft Living Area |
| Gross Area | 3,224 sqft |
| 1st Floor Area | 1,196 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,410 sqft (0.239 acres) |
| Lot Dimensions | 139 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Driveway | Driveway |
| Driveway Area | 450 sqft |
| Porch | Open Porch |
| Porch Area | 156 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1022 SPRING AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4585 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PC04 |
| Legal Description | 3 4S 14W -51.3- 105A4 COM AT THE NW COR OF NW1/4 OF NE1/4 OF SE1/4 OF SEC TH RUN S 50 TO S R/W OF 11TH ST TH RUN E ALONG R/W 351.73 TO THE INT OF SOUTH R/W LINE AND THE EAST R/W OF SPRING AVE TH RUN S FOR 77 FOR POB TH CONT S 75 TH E 139.33 TH N 75 T |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1700 |
1022 Spring Ave, a duplex, is held in a trust since December 2025.
Source: Bay County records, as of June 30, 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 Trust Names on File |
|---|---|
| Mailing Address | 5077 WOOD HAVEN CT, MARIETTA, GA 30062-6536 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| Jan 9, 2026 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 19, 2020 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2002 |
| Deed Sale | Jul 2, 2002 |
| Deed Document Number | 200240203 |
| Deed Book / Page | 2158 / 2187 |
| Last Transfer Date | Dec 15, 2025 |
| Transfer Doc | 0049910787 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 9, 2026 |
| Property Address | 1022 SPRING AVE, PANAMA CITY, FL 32401-4585 |
| Document Number | 0049910787 |
| Book / Page | 4991 / 787 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2026001630 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4503 BROOKWOOD DR SW, MABLETON, GA 30126-1207 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 5077 WOOD HAVEN CT, MARIETTA, GA 30062-6536 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1022 SPRING AVE, PANAMA CITY, FL 32401-4585 |
| Document Number | 0042810001 |
| Instrument Date | Jun 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4503 BROOK WOOD SW DR MABLETON GA 30126, MABLETON, GA 30126 |
| Document Number | 0042810001 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 004281/000001 |
| Instrument | 50014 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 30, 2060 |
| Rate | 7.87% |
|---|
The 2025 property tax bill for 1022 Spring Ave was $1,925, up 4.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,925.00 (+4.51%) | $83,905 Land $23,888 Building $60,017 | $83,905 Land $23,888 Building $60,017 |
| 2024 | $1,842.00 (+16.29%) | ||
| 2023 | $1,584.00 (+7.83%) | $80,588 (+3.71%) Land $16,170 Building $64,418 | $80,588 (+3.71%) Land $16,170 Building $64,418 |
| 2022 | $1,469.00 | $77,703 Land $15,067 Building $62,636 | $77,703 Land $15,067 Building $62,636 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1022 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 1022 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 |
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