Bay County property record for 111 Spruce Ct, Panama City, FL 32404
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 2 ba · 1,522 sqft · built 1983 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,500 (May 1993) |
| Tax Bill | $459 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 07363-374-000 |
| Primary APN | 07363-374-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,522 sqft |
| 1st Floor Area | 1,522 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Brick |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 96 ft deep x 125 ft wide |
| Garage Area | 540 sqft |
| Porch | Porch |
| Porch Area | 57 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 111 SPRUCE CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8833 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | BAY FRONT UNIT 3 LOT 11 ORB 1434 P 1760 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 19 |
| Legal Subdivision | BAY FRONT UNIT 3 |
| Legal Lot Number | 11 |
| Legal Unit | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 806 |
111 Spruce Ct, residential vacant land, is owned by two individuals who bought it in May 1993.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7806 MCGOWEN FLD, SAN ANTONIO, TX 78227-4721 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 1993 · Amount on File |
| Deed Sale | May 11, 1993 · Amount on File |
| Deed Document Number | 0014341760 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 111 Spruce Ct was $459.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $459.00 | $34,238 Land $34,238 | $34,238 Land $34,238 |
| 2023 | $429.00 (+33.64%) | $36,312 (+45.83%) Land $36,312 | $36,312 (+45.83%) Land $36,312 |
| 2022 | $321.00 | $24,900 Land $24,900 | $24,900 Land $24,900 |
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 111 Spruce Ct in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 319 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 319 in force |
| Nearby Flood Claims | 55 (1995–2023) |
| Claims Outside the SFHA | 9 of 55 |
| Most Recent Claim | Sep 2023 · 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 111 Spruce Ct is low, with a 0.03% annual chance of 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 | 0.03% 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 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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