Bay County property record for 1113 Cone Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,484 sqft · built 2023 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Mar 2024) |
| Tax Bill | $3,893 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Mar 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17584-010-000 |
| Primary APN | 17584-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,484 sqft Heated Area |
| Gross Area | 1,600 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 128 ft deep x 75 ft wide |
| Driveway | Driveway |
| Driveway Area | 640 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1113 CONE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2983 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC09 |
| Legal Description | M N KNEECE'S REPLAT-PINE-LEA 3RD ADD LOT 5 BLK 1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | PINE-LEA |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 1600 |
1113 Cone Ave is owned and occupied by an individual who bought it in March 2024.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1113 CONE AVE, PANAMA CITY, FL 32401-2983 |
| 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.
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 25, 2024 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 24, 2023 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY BANK OF MISSISSIPPI |
| Jan 27, 2023 | Warranty Deed, Transfer SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2024 · Amount on File |
| Deed Sale | Mar 25, 2024 · Amount on File |
| Prior Sale | Jan 27, 2023 · Amount on File |
| Deed Document Number | 2024016893 |
| Deed Book / Page | 4785 / 1960 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1113 CONE AVE, PANAMA CITY, FL 32401-2983 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1113 CONE AVE, PANAMA CITY, FL 32401-2983 |
| Document Number | 0049891963 |
|---|---|
| Date | Jan 6, 2026 |
| Book Page | 4989/1963 |
| Instrument | 2026000547 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 25, 2024 |
| Property Address | 1113 CONE AVE, PANAMA CITY, FL 32401-2983 |
| Document Number | 0047851960 |
| Book / Page | 4785 / 1960 |
| Map Reference | MB 9 PG 69 |
| Instrument Date | Mar 22, 2024 |
| Instrument | 2024016893 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1016 THOMAS DR # 243, 243, PANAMA CITY BEACH, FL 32408-7444 |
| Name | Verified Name |
|---|---|
| Address | 1113 CONE AVE, PANAMA CITY, FL 32401-2983 |
| Document Number | 0047851962 |
|---|---|
| Date | Mar 25, 2024 |
| Instrument | 4785/1962 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1113 CONE AVE, PANAMA CITY, FL 32401-2983 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1016 THOMAS DR 243, 243, PANAMA CITY BEACH, FL 32408-7444 |
| Document Number | 0047430751 |
|---|---|
| Date | Oct 24, 2023 |
| Book Page | 4743/751 |
| Instrument | 2023067401 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 27, 2023 |
| Property Address | 1113 CONE AVE, PANAMA CITY, FL 32401-2983 |
| Document Number | 0046520082 |
| Book / Page | 4652 / 82 |
| Map Reference | MB 9 PG 69 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 2023005244 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount on Record |
|---|---|
| Tax | $420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 319 E 11TH ST, PANAMA CITY, FL 32401-2966 |
| Name | Verified Name |
|---|---|
| Address | 1016 THOMAS DR # 243, 243, PANAMA CITY BEACH, FL 32408-7444 |
The 2025 property tax bill for 1113 Cone Ave was $3,893.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,893.00 | $246,549 Land $23,040 Building $223,509 | $246,549 Land $23,040 Building $223,509 |
| 2023 | $471.00 (+11.35%) | $19,440 (+34.33%) Land $19,440 | $19,440 (+34.33%) Land $19,440 |
| 2022 | $423.00 | $14,472 Land $14,472 | $14,472 Land $14,472 |
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 1113 Cone Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2008.
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 | 8 in force |
| Nearby Flood Claims | 9 (2008–2023) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Dec 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 1113 Cone 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 336 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 | 1,000 / 75 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures