Bay County property record for 1527 Grace Ave, Panama City, FL 32405
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 8 bd · 4 ba · 3,132 sqft · built 1955 |
| Lot Size | 0.224 acres (9,757 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Aug 2006) |
| Tax Bill | $1,168 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14348-000-000 |
| Primary APN | 14348-000-000 |
|---|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 8 Units |
| Stories | 1 Story |
| Building Area | 3,132 sqft Living Area |
| 1st Floor Area | 3,132 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Multi-Family |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,757 sqft (0.224 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 2,376 sqft |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1527 GRACE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4662 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | PC04 |
| Legal Description | MAYFIELD SUBD LOT 46 & S1/2 LOT 45 BLK B ORB 602 P 39 ORB 2811 P 2284 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 32 |
| Legal Subdivision | MAYFIELD SUBD |
| Legal Block | B |
| Legal Lot Number | 46,45 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 2000 |
Source: Bay County records, as of June 23, 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 | 5911 PINETREE AVE, PANAMA CITY, FL 32408-6553 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2006 · Amount on Record |
| Deed Sale | Aug 1, 2006 · Amount on Record |
| Deed Document Number | 200653639 |
| Deed Book / Page | 2811 / 2284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1527 GRACE AVE, PANAMA CITY, FL 32405-4662 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042400196 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 4240/196 |
| Instrument | 2020024371 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2035 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,168.00 (-46.13%) | $66,428 (+8.15%) | $88,704 (+44.42%) Land $35,280 Building $53,424 |
| 2024 | $2,168.00 (+85.3%) | ||
| 2023 | $1,170.00 (+15.27%) | $61,422 (+21.09%) Land $22,858 Building $38,564 | $61,422 (+21.09%) Land $22,858 Building $38,564 |
| 2022 | $1,015.00 | $50,725 Land $18,742 Building $31,983 | $50,725 Land $18,742 Building $31,983 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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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