14917 Racetrack Rd, Youngstown, FL 32466 Property Records

Bay County property record for 14917 Racetrack Rd, Youngstown, FL 32466 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,430 sqft · built 2020
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jan 2024)
Tax Bill	$3,114 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03456-030-000`

Property Details

APN / Parcel Number

Primary APN	`03456-030-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,430 sqft Heated Area
Gross Area	1,500 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	108,900 sqft (2.5 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	14917 RACETRACK RD
City	YOUNGSTOWN
State	FL
Zip	32466-3503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 1S 12W -11.3-197A E1/2 OF W1/2 OF SW1/4 OF SW1/4 OF SW1/4
Legal Range	12W
Legal Township	01S
Legal Section	03
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	1
Census Block	1073
Census Tract	302

Owner

Source: Bay County records · APN 03456-030-000

Assessment roll updated July 1, 2025 · Last verified February 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	14917 RACETRACK RD, YOUNGSTOWN, FL 32466-3503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 29, 2020	Deed of Trust, Mortgage · FHA Mortgage RENASANT BANK
Jun 10, 2019	Quit Claim Deed, Transfer FIVE STAR CU
Jun 04, 2018	Warranty Deed, Transfer SETCO SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 23, 2024 · Amount on Record
Deed Sale	Jan 23, 2024 · Amount on Record
Prior Sale	Jun 10, 2019 · Amount on Record
Deed Document Number	2024003667
Deed Book / Page	4767 / 361
Record Updated	Jun 08, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 23, 2024
Property Address	14917 RACETRACK RD, YOUNGSTOWN, FL 32466-3503
Document Number	0047670361
Book / Page	4767 / 361
Instrument Date	Jan 23, 2024
Instrument	2024003667
Transaction Type	Transfer
Record Updated	Feb 08, 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	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5012 RIVERGRASS DR, PANAMA CITY, FL 32404-1299

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	14917 RACETRACK RD, YOUNGSTOWN, FL 32466-3503

Mortgage

Document Number	0004767363
Date	Jan 23, 2024
Instrument	4767/363

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	14917 RACETRACK RD, YOUNGSTOWN, FL 32466-3503
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14917 RACETRACK RD, YOUNGSTOWN, FL 32466-3503

Mortgage

Document Number	0043040478
Date	Sep 29, 2020
Book Page	4304/478
Instrument	2020064136

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 10, 2019
Property Address	14917 RACETRACK RD, YOUNGSTOWN, FL 32466-3503
Document Number	0041320721
Book / Page	004132 / 000721
Instrument Date	Jun 07, 2019
Instrument	54022
Transaction Type	Transfer
Record Updated	Jul 01, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$12.60
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6307 PRIDGEN ST CALLAWAY FL 324048328, CALLAWAY, FL 32404-8328

Mortgage

Document Number	41320723
Date	Jun 10, 2019
Book Page	004132/000723
Instrument	54023

Lender

Name	FIVE STAR CU
Type	Credit Union
Address	DOTHAN, AL 36302

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 09, 2049

Interest

Rate	5.99%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 04, 2018
Property Address	14917 RACETRACK RD, YOUNGSTOWN, FL 32466-3503
Document Number	0040140758
Book / Page	004014 / 000758
Instrument Date	May 31, 2018
Instrument	32661
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$98.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 37105 PANAMA CITY FL 324127105, PANAMA CITY, FL 32412-7105

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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	$3,114.00 (+124.68%) Homeowner's exemption	$291,301 (+98.78%) Land $12,770 Building $278,531	$291,301 (+84.76%) Land $12,770 Building $278,531
2023	$1,386.00 (+11.5%) Homeowner's exemption	$146,543 (+3%)	$157,663 (+8.41%) Land $8,775 Building $148,888
2022	$1,243.00 Homeowner's exemption	$142,275	$145,432 Land $8,000 Building $137,432

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050003021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024, other causes, Hurricane Helene
Claims By Storm	Hurricane Helene, Sep 2024 · 2 claims

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 746 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Wildstar Networks, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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