15112 Racetrack Rd, Youngstown, FL 32466 Property Records

Bay County property record for 15112 Racetrack Rd, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,856 sqft · built 2003
Lot Size	9.1 acres (396,396 sqft)
Owner	Individual Name on Record
Last Sale	$103,700 (Jul 2019)
Tax Bill	$2,162 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03459-000-000`

Property Details

APN / Parcel Number

Primary APN	`03459-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,856 sqft Living Area
1st Floor Area	1,856 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	396,396 sqft (9.1 acres)
Garage Type	Detached
Garage Area	1,128 sqft
Porch	Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15112 RACETRACK RD
City	YOUNGSTOWN
State	FL
Zip	32466-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC02
Legal Description	3 1S 12W 10A -14- 197A S1/2 OF S1/2 OF SE1/4 OF SW1/4 LESS HWY ROW ORB 4145 P 1609
Legal Range	12W
Legal Township	01S
Legal Section	03
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	1
Census Block	1074
Census Tract	302

Owner

Source: Bay County records, as of January 5, 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	15112 RACETRACK RD, YOUNGSTOWN, FL 32466-3516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 18, 2019	Quit Claim Deed, Transfer FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR
Jul 18, 2019	Quit Claim Deed, Transfer · VA Mortgage NORWICH COMMERCIAL GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2019 · Amount on Record
Deed Sale	Jul 18, 2019 · Amount on Record
Prior Sale	Jul 18, 2019 · Amount on Record
Deed Document Number	201964928
Deed Book / Page	4145 / 1609
Prior Transfer Date	Jul 11, 2019
Prior Transfer Doc	0041451607
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	15112 RACETRACK RD, YOUNGSTOWN, FL 32466-3516
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15112 RACETRACK RD, YOUNGSTOWN, FL 32466-3516

Mortgage

Document Number	0044691852
Date	Oct 6, 2021
Book Page	4469/1852
Instrument	2021076486

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 18, 2019
Property Address	15112 RACETRACK RD, YOUNGSTOWN, FL 32466-3516
Document Number	0041451607
Book / Page	004145 / 001607
Instrument Date	Jul 11, 2019
Instrument	64927
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15112 RACETRACK RD YOUNGSTOWN FL 324663516, YOUNGSTOWN, FL 32466-3516

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 18, 2019
Property Address	15112 RACETRACK RD, YOUNGSTOWN, FL 32466-3516
Document Number	0041451609
Book / Page	4145 / 1609
Instrument Date	Jul 11, 2019
Instrument	2019064928
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$725.90
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15112 RACETRACK RD, YOUNGSTOWN, FL 32466-3516

Mortgage

Document Number	0041451611
Date	Jul 18, 2019
Instrument	4145/1611

Lender

Name	NORWICH COMMERCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,162.00 (+1.6%) Homeowner's exemption	$214,386 (+5.99%)	$286,403 (+25.07%) Land $69,724 Building $216,679
2024	$2,128.00 (+2.16%)
2023	$2,083.00 (+11.57%) Homeowner's exemption	$202,276 (+3%)	$228,996 (+3.7%) Land $47,911 Building $181,085
2022	$1,867.00 Homeowner's exemption	$196,384	$220,820 Land $50,960 Building $169,860

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 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	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

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