1512 Oak Ave, Panama City, FL 32405 Property Records

Bay County property record for 1512 Oak Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 936 sqft · built 1945
Lot Size	0.199 acres (8,668 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Aug 2017)
Tax Bill	$583 (2025)
Deeds & Mortgages	May 2017 Reverse Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14356-000-000`

Property Details

APN / Parcel Number

Primary APN	`14356-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,668 sqft (0.199 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Detached

Exterior Amenities

Pool Area	480 sqft
Porch	Open Porch
Porch Area	64 sqft
Patio Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1512 OAK AVE
City	PANAMA CITY
State	FL
Zip	32405-4625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	MAYFIELD SUBD. LOT 15 & S 121/2LOT 16 BLK C ORB 3928 P 1568
Legal Range	14W
Legal Township	03S
Legal Section	32
Legal Subdivision	MAYFIELD SUBD
Legal Block	C
Legal Lot Number	15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2002
Census Tract	2000

Owner

1512 Oak Ave is owned and occupied by two individuals who bought it in August 2017.

Source: Bay County records, as of January 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1512 OAK AVE, PANAMA CITY, FL 32405-4625
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.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2017	Deed of Trust, Mortgage · Reverse Mortgage HOME POINT FINANCIAL CORPORATION
Aug 17, 2017	Warranty Deed, Transfer · FHA Mortgage FEMBI MORTGAGE
May 15, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2017 · Amount on File
Deed Sale	Aug 17, 2017 · Amount on File
Prior Sale	May 19, 2011 · Amount on File
Deed Document Number	201746977
Deed Book / Page	3928 / 1568
Prior Transfer Date	Mar 6, 2006
Prior Transfer Doc	0027462227
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1512 OAK AVE, PANAMA CITY, FL 32405-4625
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039021037
Date	May 19, 2017
Book Page	3902/1037
Instrument	2017028817

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Address	PARSIPPANY, NJ 07054

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 17, 2017
Property Address	1512 OAK AVE, PANAMA CITY, FL 32405-4625
Document Number	0039281568
Book / Page	3928 / 1568
Map Reference	MB2 PG5
Instrument Date	Aug 16, 2017
Instrument	2017046977
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST AMER TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1512 OAK AVE, 1512, PANAMA CITY, FL 32405-4625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1512 OAK AVE, PANAMA CITY, FL 32405-4625

Mortgage

Document Number	2017046978
Date	Aug 17, 2017
Instrument	2017046978

Lender

Name	FEMBI MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1512 OAK AVE, PANAMA CITY, FL 32405-4625
Document Number	0039021053
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1512 OAK AVE PANAMA CITY FL 324054625, PANAMA CITY, FL 32405-4625

Mortgage

Document Number	0039021053
Date	May 19, 2017
Book Page	003902/001053
Instrument	28818

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1020 Months

Interest

Rate Type	Adjustable Rate
Rate	4.4%

Tax Assessment & Valuation

The 2025 property tax bill for 1512 Oak Ave was $583 with a homeowner's exemption, down 17.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$583.00 (-17.19%) Homeowner's exemption	$78,959	$103,744 Land $29,400 Building $74,344
2024	$704.00 (-6.75%)
2023	$755.00 (-6.91%) Homeowner's exemption	$74,499 (+3%)	$90,810 (+12.76%) Land $19,048 Building $71,762
2022	$811.00 Homeowner's exemption	$72,329	$80,532 Land $15,618 Building $64,914

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1512 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	Hurricane Sally, Sep 2020 · 4 claims Hurricane Michael, Oct 2018 · 12 claims Hurricane Opal, Oct 1995 · 14 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

Wildfire risk around 1512 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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