Bay County property record for 1026 S Comet Ave, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 1978 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Jun 2026) |
| Tax Bill | $3,294 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07225-016-000 |
| Primary APN | 07225-016-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 1,890 sqft |
| 1st Floor Area | 1,440 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Dimensions | 117 ft deep x 86 ft wide |
| Garage Area | 513 sqft |
| Driveway | Driveway |
| Porch | Porch |
| Porch Area | 408 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1026 S COMET AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R9 |
| Legal Description | 19 4S 13W -21.78- BEG SE COR L-11 B-2 E BAY PK 2ND ADD TH S 86.31 E 1337.59 N ALG COMET AVE 196.41 TO POB TH N 86.38, W 117.4, S 86.38, E 117.4TO POB ORB 4782 P 291 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 19 |
| Legal Subdivision | BAY PK 2ND ADD |
| Legal Lot Number | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 806 |
1026 S Comet Ave is owned and occupied by an individual who bought it in June 2026.
Source: Bay County records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1026 S COMET AVE, PANAMA CITY, FL 32404-9621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
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 |
|---|---|
| Jun 9, 2026 | Warranty Deed, Transfer · VA Mortgage CHOICE MORTGAGE |
| Mar 13, 2024 | Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD |
| Jun 29, 2023 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Mar 4, 2020 | Warranty Deed, Transfer OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NAT'L TITLE AGCY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2026 · Amount on File |
| Deed Sale | Jun 9, 2026 · Amount on File |
| Prior Sale | Mar 13, 2024 · Amount on File |
| Deed Document Number | 202634608 |
| Deed Book / Page | 5043 / 228 |
| Prior Transfer Date | Mar 22, 2019 |
| Prior Transfer Doc | 0041040906 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 9, 2026 |
| Property Address | 1026 S COMET AVE, PANAMA CITY, FL 32404-9621 |
| Document Number | 0000034608 |
| Book / Page | 5043 / 228 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202634608 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | WAYPOINT TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $229,775.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1026 S COMET AVE, PANAMA CITY, FL 32404-9621 |
| Document Number | 0000034609, |
|---|---|
| Date | Jun 9, 2026 |
| Instrument | 202634609 |
| Name | CHOICE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 13, 2024 |
| Property Address | 1026 S COMET AVE, PANAMA CITY, FL 32404-9621 |
| Document Number | 0047820291 |
| Book / Page | 4782 / 291 |
| Instrument Date | Mar 13, 2024 |
| Instrument | 2024014293 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4213 JAN COOLEY DR, PANAMA CITY BEACH, FL 32408-7413 |
| Name | Verified Name |
|---|---|
| Address | 1026 S COMET AVE, PANAMA CITY, FL 32404-9621 |
| Document Number | 0004782293 |
|---|---|
| Date | Mar 13, 2024 |
| Instrument | 4782/293 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 29, 2023 |
| Property Address | 1026 S COMET AVE, PANAMA CITY, FL 32404-9621 |
| Document Number | 0047041397 |
| Book / Page | 4704 / 1397 |
| Instrument Date | Jun 26, 2023 |
| Instrument | 2023040601 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $297.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 542 HASSOCKS LOOP, LAKE MARY, FL 32746-6321 |
| Name | Verified Name |
|---|---|
| Address | 4213 JAN COOLEY DR, PANAMA CITY BEACH, FL 32408-7413 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 4, 2020 |
| Property Address | 1026 S COMET AVE, PANAMA CITY, FL 32404-9621 |
| Document Number | 0042290712 |
| Book / Page | 004229 / 000712 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 16881 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2020 |
| Title Company | OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NAT'L TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 542 HASSOCTE LOOP HEATHROW FL 32746, HEATHROW, FL 32746 |
The 2025 property tax bill for 1026 S Comet Ave was $3,294, up 830.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,294.00 (+830.51%) | $240,608 Land $25,826 Building $214,782 | $240,608 Land $25,826 Building $214,782 |
| 2024 | $354.00 (-1.39%) | ||
| 2023 | $359.00 (+37.02%) | $31,304 (+53.85%) Land $31,304 | $31,304 (+53.85%) Land $31,304 |
| 2022 | $262.00 | $20,347 Land $20,347 | $20,347 Land $20,347 |
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 1026 S Comet Ave in Zone X, an area of minimal flood risk, though there have been 228 flood claims nearby since 1985.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 30 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 228 (1985–2021) |
| Claims Outside the SFHA | 111 of 228 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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 1026 S Comet Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 498 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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