Bay County property record for 1510 Oak Ave, Panama City, FL 32405
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 1 ba · 2,117 sqft · built 1977 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Sep 1995) |
| Tax Bill | $1,401 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14355-000-000 |
| Primary APN | 14355-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,117 sqft Heated Area |
| Gross Area | 2,217 sqft |
| 1st Floor Area | 2,117 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1510 OAK AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4692 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PC04 |
| Legal Description | MAYFIELD SUB LOT 14 BLK C ORB 1589 P 643 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 32 |
| Legal Subdivision | MAYFIELD |
| Legal Block | C |
| Legal Lot Number | 14 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 2000 |
1510 Oak Ave, a duplex, is owned by two individuals who bought it in September 1995.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5190 CASPER DR, CHIPLEY, FL 32428-5543 |
| 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 |
|---|---|
| Last Sale | Sep 8, 1995 · Amount on File |
| Deed Sale | Sep 8, 1995 · Amount on File |
| Deed Document Number | 0001589643 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1510 Oak Ave was $1,401.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,401.00 | $90,563 Land $23,520 Building $67,043 | $90,563 Land $23,520 Building $67,043 |
| 2023 | $1,516.00 (+11.31%) | $76,706 (+7.14%) Land $15,239 Building $61,467 | $76,706 (+7.14%) Land $15,239 Building $61,467 |
| 2022 | $1,362.00 | $71,592 Land $12,495 Building $59,097 | $71,592 Land $12,495 Building $59,097 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1510 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 |
|
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 1510 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 99.1% 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 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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