11706 Elbel Rd, Youngstown, FL 32466 Property Records

Bay County property record for 11706 Elbel Rd, Youngstown, FL 32466

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,216 sqft · built 2019
Lot Size	4.83 acres (210,612 sqft)
Owner	Individual Name on File
Last Sale	$222,000 (Jan 2024)
Tax Bill	$1,755 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Dec 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03458-010-000`

Property Details

APN / Parcel Number

Primary APN	`03458-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	210,612 sqft (4.83 acres)
Driveway	Driveway
Driveway Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	11706 ELBEL RD
City	YOUNGSTOWN
State	FL
Zip	32466-2815
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC02
Legal Description	3 1S 12W -13.6- COM AT SW COR OF SEC TH E 2300.65 TO A PT WHICH IS 281.28 W FROM CENTERLINE OF HWY 231 TH N 332.70 W 192.39 FOR POB TH CONT W 790.35 TO E R/W LINE OF GRADED RD TH N 300.36 TO S R/W OF GRADED RD E 789.21 TH S 285.19 TO POB BEING A PART
Legal Range	12W
Legal Township	01S
Legal Section	03
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	1
Census Block	1074
Census Tract	302

Owner

Source: Bay County records · APN 03458-010-000

Assessment roll updated January 5, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	11706 ELBEL RD, YOUNGSTOWN, FL 32466-2815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 02, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2024 · Amount on Record
Deed Sale	Jan 31, 2024 · Amount on Record
Prior Sale	Jan 30, 2015 · Amount on Record
Deed Document Number	20245387
Deed Book / Page	4769 / 1025
Prior Transfer Date	Nov 22, 2021
Prior Transfer Doc	0044931227
Record Updated	Jun 08, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 31, 2024
Property Address	11706 ELBEL RD, YOUNGSTOWN, FL 32466-2815
Document Number	0047691025
Book / Page	4769 / 1025
Instrument Date	Jan 31, 2024
Instrument	2024005387
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 HIGHWAY 2297, PANAMA CITY, FL 32404-2930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	11706 ELBEL RD, YOUNGSTOWN, FL 32466-2815
Investor	Possibly a Property Investor

Mortgage

Document Number	0047691027
Date	Jan 31, 2024
Instrument	4769/1027

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2054

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Dec 02, 2021
Property Address	11706 ELBEL RD, YOUNGSTOWN, FL 32466-2815
Document Number	0044931227
Book / Page	4493 / 1227
Instrument Date	Nov 22, 2021
Instrument	2021091424
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 HIGHWAY 2297D, 1104, PANAMA CITY, FL 32404

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,755.00 (+72.57%) Homeowner's exemption	$181,532 (+136.84%)	$185,614 (+142.16%) Land $24,697 Building $160,917
2024	$1,017.00 (+99.41%)
2023	$510.00 (-43.14%) Homeowner's exemption	$76,649 (+3.25%) Land $16,970 Building $59,679	$76,649 (+3.25%) Land $16,970 Building $59,679
2022	$897.00	$74,236 Land $27,076 Building $47,160	$74,236 Land $27,076 Building $47,160

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	7 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims

Wildfire

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

Based on FCC filings for 6 locations within half a mile of this property.

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