Bay County property record for 111 Central Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,024 sqft · built 2012 |
| Lot Size | 0.306 acres (13,329 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,895 (2025) |
| Deeds & Mortgages | Apr 2024 Transfer Jan 2024 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24198-000-000 |
| Primary APN | 24198-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,329 sqft (0.306 acres) |
| Lot Dimensions | 135 ft deep x 99 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Porch | Open Porch |
| Porch Area | 116 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 111 CENTRAL AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N MOORETOWN LOTS 6,7,8 BLK 4 ORB 4765 P 1930 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | N MOORETOWN |
| Legal Block | 4 |
| Legal Lot Number | 6,7,8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 1000 |
Source: Bay County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 111 CENTRAL AVE, PANAMA CITY, FL 32401-4912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 19, 2024 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jan 18, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 21, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 21, 2018 |
| Transfer Doc | 0039811109 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 19, 2024 |
| Property Address | 111 CENTRAL AVE, PANAMA CITY, FL 32401-4912 |
| Document Number | 0047932109 |
| Book / Page | 4793 / 2109 |
| Instrument Date | Apr 19, 2024 |
| Instrument | 2024022677 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 626 MAGNOLIA AVE, PANAMA CITY, FL 32401-3054 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 626 MAGNOLIA AVE, PANAMA CITY, FL 32401-3054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 18, 2024 |
| Property Address | 111 CENTRAL AVE, PANAMA CITY, FL 32401-4912 |
| Document Number | 0047651930 |
| Book / Page | 4765 / 1930 |
| Instrument Date | Jan 18, 2024 |
| Instrument | 2024002690 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 111 CENTRAL AVE, PANAMA CITY, FL 32401-4912 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 21, 2018 |
| Property Address | 111 CENTRAL AVE, PANAMA CITY, FL 32401-4912 |
| Document Number | 0039811109 |
| Book / Page | 003981 / 001109 |
| Instrument Date | Feb 21, 2018 |
| Instrument | 9900 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 111 CENTRAL AVE PANAMA CITY FL 324014912, PANAMA CITY, FL 32401-4912 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,895.00 (-2.62%) | $119,506 (+13.09%) Land $32,650 Building $86,856 | $119,506 (+13.09%) Land $32,650 Building $86,856 |
| 2024 | $1,946.00 (+58.86%) | ||
| 2023 | $1,225.00 (-11.68%) Homeowner's exemption | $105,676 (+33.24%) Land $21,702 Building $83,974 | $105,676 (+33.24%) Land $21,702 Building $83,974 |
| 2022 | $1,387.00 | $79,314 Land $19,686 Building $59,628 | $79,314 Land $19,686 Building $59,628 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
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.
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 |
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