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1108 Earl Ave, Panama City, FL 32401 Property Records

Bay County property record for 1108 Earl Ave, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,123 sqft · built 1981
Lot Size0.282 acres (12,327 sqft)
OwnerIndividual Name on File
Last Sale$270,000 (May 2020)
Tax Bill$3,437 (2025)
Deeds & MortgagesSep 2022 Line of Credit
May 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN18875-000-000

Property Details

APN / Parcel Number

Primary APN18875-000-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,123 sqft Heated Area
Gross Area2,757 sqft
1st Floor Area2,123 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2016
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area12,327 sqft (0.282 acres)
Lot Dimensions120 ft deep x 103 ft wide
Garage Area506 sqft

Exterior Amenities

PorchPorch
Porch Area48 sqft
Deck AreaDeck Area
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1108 EARL AVE
CityPANAMA CITY
StateFL
Zip32401-2032
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC01
Legal DescriptionCAROLINE ADD UNIT #2 LOT 4 BLK 6-A ORB 4256 P 1412
Legal Range14W
Legal Township04S
Legal Section06
Legal SubdivisionCAROLINE ADD
Legal Block6
Legal Lot Number4
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group3
Census Block3027
Census Tract2200

Owner

1108 Earl Ave is owned and occupied by an individual who bought it in May 2020.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Mailing Address1108 EARL AVE, PANAMA CITY, FL 32401-2032
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2022Deed of Trust, Mortgage · Line of Credit
COASTAL COMMUNITY BANK
May 29, 2020Warranty Deed, Transfer · VA Mortgage
ACOPIA
Jan 10, 2017Warranty Deed, Transfer
FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 29, 2020 · Amount on File
Deed SaleMay 29, 2020 · Amount on File
Prior SaleJun 24, 2016 · Amount on File
Deed Document Number2020034735
Deed Book / Page4256 / 1412
Record UpdatedJun 8, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address1108 EARL AVE, PANAMA CITY, FL 32401-2032
Transaction TypeMortgage
Record UpdatedOct 24, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1108 EARL AVE, PANAMA CITY, FL 32401-2032

Mortgage

Document Number0046160484
DateSep 30, 2022
Book Page4616/484
Instrument2022072382
Lender
NameCOASTAL COMMUNITY BANK
TypeBank
AddressBURLINGAME, CA 94010
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 29, 2020
Property Address1108 EARL AVE, PANAMA CITY, FL 32401-2032
Document Number0042561412
Book / Page004256 / 001412
Instrument DateApr 22, 2020
Instrument34735
Transaction TypeTransfer
Record UpdatedJun 16, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1108 EARL AVE PANAMA CITY BEACH FL 324012032, PANAMA CITY BEACH, FL 32401-2032

Mortgage

Document Number42561415
DateMay 29, 2020
Book Page004256/001415
Instrument34736
Lender
NameACOPIA
AddressGOODLETTSVILLE, TN 37072
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueMay 28, 2050

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 10, 2017
Property Address1108 EARL AVE, PANAMA CITY, FL 32401-2032
Document Number0038641280
Book / Page003864 / 001280
Instrument DateNov 17, 2016
Instrument1471
Transaction TypeTransfer
Record UpdatedMay 5, 2017
Title CompanyFLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

AmountAmount on Record
Tax$910.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1108 EARL AVE PANAMA CITY BEACH FL 324012032, PANAMA CITY BEACH, FL 32401-2032

Tax Assessment & Valuation

The 2025 property tax bill for 1108 Earl Ave was $3,437 with a homeowner's exemption.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,437.00 Homeowner's exemption$259,677$360,447 Land $62,168 Building $298,279
2023$3,686.00 (+5.95%) Homeowner's exemption$245,009 (+3%)$270,837 (+12.02%) Land $51,535 Building $219,302
2022$3,479.00 Homeowner's exemption$237,873$241,772 Land $42,147 Building $199,625

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

Flood

FEMA maps place 1108 Earl Ave in Zone X, an area of minimal flood risk, within 100 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 61 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies61 in force
Nearby Flood Claims26 (1985–2020)
Claims Outside the SFHA18 of 26
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 2 claims
  • Hurricane Michael, Oct 2018 · 11 claims
  • Hurricane Earl, Sep 1998 · 3 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 1108 Earl 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 281 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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