105 Central Ave, Panama City, FL 32401 Property Records

Bay County property record for 105 Central Ave, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 2013
Lot Size	0.092 acres (4,007 sqft)
Owner	Individual Name on Record
Tax Bill	$1,175 (2025)
Deeds & Mortgages	Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`24200-000-000`

Property Details

APN / Parcel Number

Primary APN	`24200-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,007 sqft (0.092 acres)
Lot Dimensions	135 ft deep x 30 ft wide
Porch	Open Porch
Porch Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	105 CENTRAL AVE
City	PANAMA CITY
State	FL
Zip	32401-4912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N MOORETOWN LOT 10 BLK 4 ORB 4297 P 901
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	N MOORETOWN
Legal Block	4
Legal Lot Number	10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2052
Census Tract	1000

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1133 LAKESIDE ESTATES DR, APOPKA, FL 32703-6213
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 31, 2020
Transfer Doc	0042970901
Record Updated	Jun 8, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 10, 2020
Property Address	105 CENTRAL AVE, PANAMA CITY, FL 32401-4912
Document Number	0042970901
Book / Page	004297 / 000901
Instrument Date	Sep 5, 2020
Instrument	59895
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2396 CANEY WOOD CT S JACKSONVILLE FL 322189094, JACKSONVILLE, FL 32218-9094

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,175.00 (-9.06%)	$74,116 (+8.03%) Land $9,894 Building $64,222	$74,116 (+8.03%) Land $9,894 Building $64,222
2024	$1,292.00 (-0.08%)
2023	$1,293.00 (+14.12%)	$68,604 (+9.36%) Land $6,576 Building $62,028	$68,604 (+9.36%) Land $6,576 Building $62,028
2022	$1,133.00	$62,734 Land $5,965 Building $56,769	$62,734 Land $5,965 Building $56,769

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

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Nov 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2013 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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	CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 301 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 · Fiber in parts of the area	1,200 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20