1237 Oak Ave, Panama City, FL 32401 Property Records

Bay County property record for 1237 Oak Ave, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 766 sqft · built 1950
Lot Size	0.071 acres (3,092 sqft)
Owner	Company Name on File
Last Sale	$22,500 (Feb 2020)
Tax Bill	$1,115 (2025)
Deeds & Mortgages	Feb 2020 Sale Feb 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18455-000-000`

Property Details

APN / Parcel Number

Primary APN	`18455-000-000`
Alternative APN	`5365200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	766 sqft Living Area
1st Floor Area	766 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,092 sqft (0.071 acres)
Lot Dimensions	62 ft deep x 50 ft wide
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	144 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	1237 OAK AVE
City	PANAMA CITY
State	FL
Zip	32401-2452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	BRY-CO PARK LOTS 19 & 20 BLK 4 ORB 4224 P 1164 MAP 92A1
Legal Range	14W
Legal Township	04S
Legal Section	05
Legal Subdivision	BRY-CO PARK
Legal Block	4
Legal Lot Number	19,20
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2018
Census Tract	2000

Owner

1237 Oak Ave is owned by a company that bought it in February 2020.

Source: Bay County records, as of October 9, 2026

Owner of Record	Company Name on File
Mailing Address	418 N COVE BLVD, PANAMA CITY, FL 32401-3726
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
Feb 21, 2020	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC
Feb 21, 2020	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC
Dec 26, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2020 · Amount on File
Deed Sale	Feb 21, 2020 · Amount on File
Prior Sale	Feb 21, 2020 · Amount on File
Deed Document Number	202013506
Deed Book / Page	4224 / 1164
Prior Transfer Date	Oct 26, 2005
Prior Transfer Doc	0028961241
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 21, 2020
Property Address	1237 OAK AVE, PANAMA CITY, FL 32401-2452
Document Number	0042241162
Book / Page	004224 / 001162
Instrument Date	Feb 20, 2020
Instrument	13505
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	418 N COVE BLVD PANAMA CITY FL 324013726, PANAMA CITY, FL 32401-3726

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 21, 2020
Property Address	1237 OAK AVE, PANAMA CITY, FL 32401-2452
Document Number	0042241164
Book / Page	004224 / 001164
Instrument Date	Feb 20, 2020
Instrument	13506
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	418 N COVE BLVD PANAMA CITY FL 324013726, PANAMA CITY, FL 32401-3726

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 26, 2019
Property Address	1237 OAK AVE, PANAMA CITY, FL 32401-2452
Document Number	0042042368
Book / Page	004204 / 002368
Instrument Date	Dec 23, 2019
Instrument	108426
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$154.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3824 QUARTS ST PANAMA CITY BEACH FL 324086450, PANAMA CITY BEACH, FL 32408-6450

Tax Assessment & Valuation

The 2025 property tax bill for 1237 Oak Ave was $1,115, down 15.3% 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	$1,115.00 (-15.34%)	$70,135	$71,561 Land $15,145 Building $56,416
2024	$1,317.00 (+7.95%)
2023	$1,220.00 (+15.31%)	$62,816 (+20.58%) Land $9,425 Building $53,391	$62,816 (+20.58%) Land $9,425 Building $53,391
2022	$1,058.00	$52,096 Land $7,832 Building $44,264	$52,096 Land $7,832 Building $44,264

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

Flood

FEMA maps place 1237 Oak Ave in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 1983.

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
Flood Insurance Cost	Premium on File median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	55 (1983–2020)
Claims Outside the SFHA	19 of 55
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Hurricane Michael, Oct 2018 · 12 claims Hurricane Opal, Oct 1995 · 14 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 1237 Oak 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 99.8% of the US · lower than 99.7% 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 253 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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