1111 Earl Ave, Panama City, FL 32401 Property Records

Bay County property record for 1111 Earl Ave, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,764 sqft · built 1958
Lot Size	0.235 acres (10,280 sqft)
Owner	2 Individual Names on File
Last Sale	$156,000 (Aug 2019)
Tax Bill	$1,705 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18874-000-000`

Property Details

APN / Parcel Number

Primary APN	`18874-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,764 sqft Heated Area
Gross Area	2,421 sqft
1st Floor Area	1,764 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1988
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	10,280 sqft (0.235 acres)
Lot Dimensions	100 ft deep x 103 ft wide
Porch	Porch
Porch Area	189 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1111 EARL AVE
City	PANAMA CITY
State	FL
Zip	32401-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	CAROLINE ADD UNIT #2 LOT 3 BLK 6-A ORB 4156 P 1304
Legal Range	14W
Legal Township	04S
Legal Section	06
Legal Subdivision	CAROLINE ADD
Legal Block	6
Legal Lot Number	3
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3028
Census Tract	2200

Owner

1111 Earl Ave is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1111 EARL AVE, PANAMA CITY, FL 32401-2031
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 15, 2019 · Amount on File
Deed Sale	Aug 15, 2019 · Amount on File
Prior Sale	Oct 29, 2012 · Amount on File
Deed Document Number	2019073203
Deed Book / Page	4156 / 1304
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 15, 2019
Property Address	1111 EARL AVE, PANAMA CITY, FL 32401-2031
Document Number	0041561304
Book / Page	004156 / 001304
Instrument Date	Aug 14, 2019
Instrument	73203
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1111 EARL AVE PANAMA CITY BEACH FL 324012031, PANAMA CITY BEACH, FL 32401-2031

Mortgage

Document Number	41561306
Date	Aug 15, 2019
Book Page	004156/001306
Instrument	73204

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1111 Earl Ave was $1,705 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,705.00 Homeowner's exemption	$149,987	$218,631 Land $56,820 Building $161,811
2023	$1,887.00 (+3.28%) Homeowner's exemption	$141,513 (+3%)	$165,573 (+13.31%) Land $47,101 Building $118,472
2022	$1,827.00 Homeowner's exemption	$137,391	$146,128 Land $38,522 Building $107,606

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

Flood

FEMA maps place 1111 Earl Ave in Zone X, an area of minimal 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	26 (1985–2020)
Claims Outside the SFHA	18 of 26
Most Recent Claim	Sep 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 1111 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 Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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

Provider	Max 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