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115 Ocean Ln, Panama City, FL 32408 Property Records

Bay County property record for 115 Ocean Ln, Panama City, FL 32408

Property Summary

Property TypeResidential Vacant Land
Details2 bd · 1 ba
Lot Size0.049 acres (2,113 sqft)
Owner2 Trust Names on File
Last Sale$250,000 (Apr 2026)
Tax Bill$1,526 (2025)
Deeds & MortgagesApr 2026 Sale
Dec 2021 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN31440-020-000

Property Details

APN / Parcel Number

Primary APN31440-020-000

Interior

Bedrooms2 Beds
Full Baths1 Bath

Exterior

Lot Area2,113 sqft (0.049 acres)
DrivewayDriveway
Driveway Area440 sqft
Mobile Home / RV HookupMobile Home / RV Hookup

Location & Zoning

Street Address115 OCEAN LN
CityPANAMA CITY
StateFL
Zip32408
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeBC16
Legal DescriptionVENTURE OUT TRAVEL TRAIL LOT 11 BLK 2 ORB 296 P 27 ... ORB 4494 P 2279
Legal Range15W
Legal Township04S
Legal Section16
Legal SubdivisionVENTURE OUT TRAVEL TRAIL
Legal Block2
Legal Lot Number11
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group1
Census Block1037
Census Tract2607

Owner

115 Ocean Ln, residential vacant land, is held in a trust since April 2026.

Source: Bay County records, as of May 21, 2026

Owner of Record2 Trust Names on File
Mailing Address225 S WESTMONTE DR, 2040, ALTAMONTE SPRINGS, FL 32714-4218
Owner TypeCompany
VestingTrust

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

DateDocument
Apr 28, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Dec 6, 2021Warranty Deed, Transfer
FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Aug 1, 2017Warranty Deed, Transfer
MTI TITLE INSURANCE AGENCY INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 28, 2026 · Amount on File
Deed SaleApr 28, 2026 · Amount on File
Prior SaleDec 6, 2021 · Amount on File
Deed Document Number202625351
Deed Book / Page5028 / 1836
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 28, 2026
Property Address115 OCEAN LN, PANAMA CITY, FL 32408
Document Number0000025351
Book / Page5028 / 1836
Instrument DateApr 22, 2026
Instrument2026.25351
Transaction TypeTransfer
Record UpdatedMay 22, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$176,750.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 6, 2021
Property Address115 OCEAN LN, PANAMA CITY BEACH, FL 32408
Document Number0044942279
Book / Page4494 / 2279
Map ReferenceMB 296 PG 27
Instrument DateNov 16, 2021
Instrument2021092186
Transaction TypeTransfer
Record UpdatedFeb 7, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount on Record
Tax$1,610.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address109 BAKER POINT LN, FLORENCE, AL 35630-3233

Transferred To (Grantee/Buyer)

NameVerified Name
Address1119 DAVIS MILL RD N # N, N, DALLAS, GA 30157-7828

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 1, 2017
Property Address115 OCEAN LN, PANAMA CITY BEACH, FL 32408
Document Number0039231574
Book / Page003923 / 001574
Instrument DateJul 28, 2017
Instrument43572
Transaction TypeTransfer
Record UpdatedAug 30, 2017
Title CompanyMTI TITLE INSURANCE AGENCY INC

Transaction

AmountAmount on Record
Tax$910.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address109 BAKER POINT LN FLORENCE AL 356303233, FLORENCE, AL 35630-3233

Tax Assessment & Valuation

The 2025 property tax bill for 115 Ocean Ln was $1,526.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,526.00$124,179 Land $120,358 Building $3,821$124,179 Land $120,358 Building $3,821
2024$1,526.00 (-1.68%)
2023$1,552.00 (+8.08%)$124,179 (-) Land $120,358 Building $3,821$124,179 (-) Land $120,358 Building $3,821
2022$1,436.00$124,179 Land $120,358 Building $3,821$124,179 Land $120,358 Building $3,821

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 115 Ocean Ln 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 311 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,268 units insured
incl. 957 condo units
Nearby Flood Claims254 (1978–2023)
Claims Outside the SFHA161 of 254
Most Recent ClaimAug 2023 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 46 claims
  • Hurricane Frances, Sep 2004 · 8 claims
  • Hurricane Opal, Oct 1995 · 130 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

The area around 115 Ocean Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 178 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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