15133 Racetrack Rd, Youngstown, FL 32466 Property Records

Bay County property record for 15133 Racetrack Rd, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,664 sqft · built 2007
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Feb 2022)
Tax Bill	$5,803 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03456-000-000`

Property Details

APN / Parcel Number

Primary APN	`03456-000-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,664 sqft Heated Area
Gross Area	4,472 sqft
1st Floor Area	2,664 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	2,400 sqft
Driveway	Driveway
Driveway Area	3,348 sqft
Porch	Porch
Porch Area	1,232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	15133 RACETRACK RD
City	YOUNGSTOWN
State	FL
Zip	32466-2594
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC02
Legal Description	3 1S 12W -11-197A N1/2 OF SE1/4 OF SW1/4 OF SW1/4 ORB 4526 P 1019
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

15133 Racetrack Rd is owned and occupied by an individual who bought it in February 2022.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	15133 RACETRACK RD, YOUNGSTOWN, FL 32466-2594
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
Feb 19, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage YELLOWFIN CAPITAL MANAGEMENT LLC
Feb 21, 2022	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jun 28, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2022 · Amount on File
Deed Sale	Feb 21, 2022 · Amount on File
Prior Sale	Jun 28, 2021 · Amount on File
Deed Document Number	2022012332
Deed Book / Page	4526 / 1019
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	15133 RACETRACK RD, YOUNGSTOWN, FL 32466-2594
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15133 RACETRACK RD, YOUNGSTOWN, FL 32466-2594

Mortgage

Document Number	0050031371
Date	Feb 19, 2026
Book Page	5003/1371
Instrument	2026010025

Lender

Name	YELLOWFIN CAPITAL MANAGEMENT LLC
Type	Non-Lending Institution
Address	PANAMA CITY, FL 32406

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2036

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 21, 2022
Property Address	15133 RACETRACK RD, YOUNGSTOWN, FL 32466-2594
Document Number	0045261019
Book / Page	4526 / 1019
Instrument Date	Feb 17, 2022
Instrument	2022012332
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,060.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15133 RACETRACK RD, 15133, YOUNGSTOWN, FL 32466-2594

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15133 RACETRACK RD, YOUNGSTOWN, FL 32466-2594

Mortgage

Document Number	0045261021
Date	Feb 21, 2022
Instrument	4526/1021

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 28, 2021
Property Address	15133 RACETRACK RD, YOUNGSTOWN, FL 32466-2594
Document Number	0044251773
Book / Page	4425 / 1773
Instrument Date	Jun 24, 2021
Instrument	2021048713
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 N KIM AVE, 150, WEWAHITCHKA, FL 32465-5938

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15133 RACETRACK RD, YOUNGSTOWN, FL 32466-2594

Mortgage

Document Number	44251775
Date	Jun 28, 2021
Instrument	4425/1775

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 15133 Racetrack Rd was $5,803 with a homeowner's exemption.

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

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	$5,803.00 Homeowner's exemption	$508,660	$611,200 Land $25,540 Building $585,660
2023	$5,724.00 (+18.07%) Homeowner's exemption	$492,998 (+8.47%) Land $17,550 Building $475,448	$492,998 (+8.47%) Land $17,550 Building $475,448
2022	$4,848.00 Homeowner's exemption	$454,497 Land $16,000 Building $438,497	$454,497 Land $16,000 Building $438,497

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

Flood

FEMA maps place 15133 Racetrack Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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
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

Wildfire risk around 15133 Racetrack Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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