1115 Earl Ave, Panama City, FL 32401 Property Records

Bay County property record for 1115 Earl Ave, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,231 sqft · built 1956
Lot Size	0.236 acres (10,280 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2005)
Tax Bill	$2,173 (2025)
Deeds & Mortgages	Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18872-000-000`

Property Details

APN / Parcel Number

Primary APN	`18872-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,231 sqft Living Area
1st Floor Area	1,231 sqft
Flooring	Wood
Interior Walls	Plywood

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1961
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,280 sqft (0.236 acres)
Lot Dimensions	103 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	600 sqft
Driveway	Driveway
Driveway Area	1,500 sqft
Porch	Unfinished Open Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1115 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 1 BLK 6-A ORB 3960 P 111
Legal Range	14W
Legal Township	04S
Legal Section	06
Legal Subdivision	CAROLINE ADD
Legal Block	6
Legal Lot Number	1
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3028
Census Tract	2200

Owner

1115 Earl Ave is owned by an individual who acquired it in November 2017.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	12254 COUNTY ROAD 72, FYFFE, AL 35971-3839
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	Name on Deed
Last Sale	Sep 19, 2005 · Amount on File
Deed Sale	Sep 19, 2005 · Amount on File
Deed Document Number	200574798
Deed Book / Page	2675 / 853
Last Transfer Date	Nov 1, 2017
Transfer Doc	0039600111
Record Updated	Jun 8, 2026

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Dec 4, 2017
Property Address	1115 EARL AVE, PANAMA CITY, FL 32401-2031
Document Number	0039600111
Book / Page	3960 / 0111
Map Reference	MB8 PG36
Instrument Date	Nov 1, 2017
Instrument	2017069599
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 EARL AVE, PANAMA CITY, FL 32401-2031

Mortgage

Document Number	2017069600
Date	Dec 4, 2017
Instrument	2017069600

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1115 Earl Ave was $2,173, down 5.1% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$2,173.00 (-5.07%)	$129,673	$153,192 Land $56,463 Building $96,729
2024	$2,289.00 (+11.17%)
2023	$2,059.00 (+19.22%)	$118,218 (+23.98%) Land $46,806 Building $71,412	$118,218 (+23.98%) Land $46,806 Building $71,412
2022	$1,727.00	$95,350 Land $38,280 Building $57,070	$95,350 Land $38,280 Building $57,070

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

Flood

FEMA maps place 1115 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 1115 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