Bay County property record for 1305 Ware Dr, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,032 sqft · built 1954 |
| Lot Size | 0.158 acres (6,882 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $842 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19009-000-000 |
| Primary APN | 19009-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,032 sqft Living Area |
| 1st Floor Area | 2,032 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,882 sqft (0.158 acres) |
| Lot Dimensions | 82 ft deep x 84 ft wide |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Porch | Open Porch |
| Porch Area | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1305 WARE DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-1737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC01 |
| Legal Description | SUDDUTHS 18TH ADD LOT 23 BLK A ORB 1896 P 1523 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 06 |
| Legal Subdivision | SUDDUTHS 18TH ADD |
| Legal Block | A |
| Legal Lot Number | 23 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 2200 |
1305 Ware Dr is owned and occupied by an individual.
Source: Bay County records, as of June 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1305 WARE DR, PANAMA CITY, FL 32401-1737 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 1305 Ware Dr was $842 with a homeowner's exemption, down 11.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $842.00 (-11.92%) Homeowner's exemption | $95,404 (+2.9%) | $143,403 (+5.71%) Land $32,469 Building $110,934 |
| 2024 | $956.00 (-7.54%) Homeowner's exemption | $92,715 (+3%) | $135,653 (+12.66%) Land $31,046 Building $104,607 |
| 2023 | $1,034.00 (-1.15%) Homeowner's exemption | $90,015 (+3%) | $120,408 (+11.85%) Land $24,255 Building $96,153 |
| 2022 | $1,046.00 Homeowner's exemption | $87,393 | $107,653 Land $20,115 Building $87,538 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1305 Ware Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1985.
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 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 |
|
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 1305 Ware Dr 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 388 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 |
May also be available: Hotwire Communications, Verizon.
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