135 Central Ave, Panama City, FL 32401 Property Records

Bay County property record for 135 Central Ave, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,126 sqft · built 1993
Lot Size	0.608 acres (26,528 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Aug 2022)
Tax Bill	$2,741 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23355-000-000`

Property Details

APN / Parcel Number

Primary APN	`23355-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,126 sqft Heated Area
Gross Area	1,144 sqft
1st Floor Area	1,126 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	26,528 sqft (0.608 acres)
Lot Dimensions	41 ft deep x 165 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	18 sqft
Patio Area	36 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	135 CENTRAL AVE
City	PANAMA CITY
State	FL
Zip	32401-4984
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 4S 14W-340-118C3 BEG NE COR LOT 8 BLK 9 NORTH MOORETOWN TH N 330' ON W LINE
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	NORTH MOORETOWN
Legal Block	9
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2041
Census Tract	1000

Owner

Source: Bay County records, as of January 23, 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 Record
Mailing Address	135 CENTRAL AVE, PANAMA CITY, FL 32401-4984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Warranty Deed, Transfer · FHA Mortgage CERTAINTY HOME LOANS LLC
Oct 2, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO
Feb 22, 2018	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC
Feb 22, 2018	Quit Claim Deed CORNERSTONE TITLE INSURANCE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Oct 2, 2019 · Amount on Record
Deed Document Number	2022064608
Deed Book / Page	4604 / 2166
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 30, 2022
Property Address	135 CENTRAL AVE, PANAMA CITY, FL 32401-4984
Document Number	0046042166
Book / Page	4604 / 2166
Instrument Date	Aug 17, 2022
Instrument	2022064608
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11331 US ROUTE 36, 11331, BRADFORD, OH 45308-9437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 CENTRAL AVE, PANAMA CITY, FL 32401-4984

Mortgage

Document Number	0046042168
Date	Aug 30, 2022
Instrument	4604/2168

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 2, 2019
Property Address	135 CENTRAL AVE, PANAMA CITY, FL 32401-4984
Document Number	0041741938
Book / Page	4174 / 1938
Instrument Date	Aug 20, 2019
Instrument	2019086680
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 CENTRAL AVE, 135, PANAMA CITY, FL 32401-4984

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 CENTRAL AVE, PANAMA CITY, FL 32401-4984

Mortgage

Document Number	0041741943
Date	Oct 2, 2019
Instrument	4174/1943

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 22, 2018
Property Address	135 CENTRAL AVE, PANAMA CITY, FL 32401-4984
Document Number	0039812076
Book / Page	003981 / 002076
Instrument Date	Feb 15, 2018
Instrument	10128
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$581.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 CENTRAL AVE PANAMA CITY BEACH FL 324014984, PANAMA CITY BEACH, FL 32401-4984

February 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 22, 2018
Property Address	135 CENTRAL AVE, PANAMA CITY, FL 32401-4984
Document Number	0039812074
Book / Page	003981 / 002074
Instrument Date	Jan 12, 2018
Instrument	10127
Record Updated	Mar 9, 2018
Title Company	CORNERSTONE TITLE INSURANCE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 BELL CIR LYNN HAVEN FL 324444602, LYNN HAVEN, FL 32444-4602

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,741.00 (+3.24%)	$173,626 (+13.95%) Land $60,756 Building $112,870	$173,626 (+13.95%) Land $60,756 Building $112,870
2023	$2,655.00 (+109.72%)	$152,371 (+37.52%) Land $40,384 Building $111,987	$152,371 (+28.51%) Land $40,384 Building $111,987
2022	$1,266.00 Homeowner's exemption	$110,797	$118,569 Land $36,632 Building $81,937

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Nov 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2013 · 2 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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	CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 301 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 · Fiber in parts of the area	1,200 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

135 Central Ave, Panama City, FL 32401 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2018: Quit Claim Deed

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Central Ave

Nearby Streets

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